milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting Notice of Rescission documentation attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: I deposited a check into my Capital One 360 account. I called to ask if a portion of the funds could be released due to an emergency. They said no. I spoke with someone in Escalations and she said that she was the highest manager. So, now I am filing a complaint. I think it is ridiculous that they refuse to call the number on the check to verify the check so that they could release a portion of the funds. I feel that it is ridiculous that they will not release anything and that is n't right at all to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XXXX/XXXX/XXXX however no payment history from XXXX. 
2. Account sates no last payment. Account states first delinquency in XXXX. However, payment shows payment received in XXXX. No account history from XXXX XXXX current.

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 04/13/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I had a job loss and could no longer make my mortgage payments. Before I was even XXXX payment behind I contacted my lender to ask for help. What I got instead was a lot of false miss leading information and false hope which landed me very behind in my mortgage and facing foreclosure. I desperately need help to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They said if I paid the settlement amount that they would delete the account from my credit report which has n't been done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I obtained loans through XXXX XXXX ( Navient ) for a total of XXXX. To date I have paid back XXXX. I currently owe {$40000.00} over XXXX more than I originally borrowed. I accrue interest at a {$210.00} a month. Even at the suggested payment of XXXX I 'm only paying {$200.00} to principle and it will take me 17 years to pay off and I will have paid nearly {$110000.00} on a {$32000.00} loan. I find this disturbing. I have paid nearly $ XXXX and nearly $ XXXX of that has been interest only. There should be limits on the amount of money that a lender can charge. Being unable to afford {$410.00} per month only means that I 'm going to end up paying even more.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Credit card) with VNU Group, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I placed an order with XXXX also know as pacific credit group and was promised a XXXX5 day shipping. This did not happen and I called them a week after the order was placed to cancel and was told it was. They then proceeded to ship the item against my wishes and I called before the delivery to tell them to return to sender as I would not be in he state and nobody would be home. The package was delivered to the wrong address with ups has handled the claim and was to handle it directly through emporium/pacific credit group. They are calling non stop daily and at very unreasonable times some at XXXX and some at XXXX at night. I have mailed them a letter to stop this and they were to have escalated this to multiple supervisors multiple times and nothing is being done about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collection agency calls me everyday about XXXX times a day. I would like them to stop and send me written correspondence. 
The number to this agency is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive several automated phone calls a week from Enhanced Recovery debt collectors. They do not name the person who owes the money. I do not have any overdue debts.

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 07/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit line increase/decrease

Complaint: I applied for a CITI Simplicity credit card with the intention of using the balance transfer offer. I submitted my application online. As I was waiting for my approval status, the website refreshed and provided me with an error message. I then called CITI credit card applications customer service to notify of the issue and to find out the result. I was notified that I was approved for a {$2000.00} credit limit. I notified the customer service representative that I would like to request that the limit be increased. I was told I needed to wait until the card arrived in the mail then to call back with the request. About one and half week later I received the card and placed a call to customer service like I was told. It took XXXX attempts for me to be able to speak to a service representative. The first XXXX attempts, I was on hold for 40 minutes and could not hold any longer. The XXXX attempt, my call was answered in 10 minutes. I then requested for my line to be increased to {$7000.00} because the reason for me in applying is to perform a balance transfer and {$2000.00} is not enough. After providing additional information, I was notified that I was not approved for the increase. I asked the representative about options on how I could withdraw my application and I was told that I needed to withdraw my application the day I submitted the application. She said that my account was already open and I can not withdraw my application. This is troubling because I was told I needed to wait for my card to arrive in order to negotiate the credit limit. However, I was never notified that there was no option to withdraw the credit application if I did not like the terms and conditions. Other banks always have provided the opportunity to withdraw a credit application, im not sure what makes CITI different.

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 04-08-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent correspondence to you to support this info. 
Based upon information received indicating a high probability of success, I applied for a credit card with XXXX. I was declined based upon information provided by Equifax even though I subscribe to Equifax monitoring service. My monitoring service indicated that my score is " good '' at all XXXX credit services. The score at Equifax was a XXXX ( XXXX score was a XXXX ). When I got my rejection letter from XXXX, it indicated that Equifax reported a XXXX. 
Either Equifax provided bad information to XXXX or to me- which if that is the case - why am I spending {$19.00} a month for inaccurate information- that is fraudulent. 
I am planning on traveling out of the country next month and did not want to incur foreign transaction fees- this error on their part will cause me financial harm. 
Note, I am not at a computer that will allow me to upload information, but will if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (Credit card debt) with Pinnacle Credit Services, LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
l. 
l. 





















C.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: My home at XXXX XXXX XXXX in XXXX, XXXX, New York was discharged in a bankruptcy in XXXX of 2011. The docket number is XXXX. I have the name of the Law firm I used, the name of the Bankruptcy Trustee and the name of the US Bankruptcy Judge, if you need them. The loan has been sold so many different times and to so many different companies I can not count. All these Mortgage companies keep sending me certified letters and calling me- non-stop since 2011. One of  the companies even put the bad loan back on my credit report and we had to contact the Bankruptcy lawyer we used to get the info removed. I believe there was a class action against that company and they have to pay out small settlements to those involved. Why did n't the first bank just take the property and leave me alone? We are trying to move on with our lives. Local taxing entities from the Town are still sending me tax bills. I have told my Attorney about this several times and he does not think I have anything top worry about?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My current servicer is charging high fees to make mortgage within the grace period and the more days passed within the XXXX days grace period the more the fees are. Why have a grace period when you tacking on fees to take the payment and these are not late fees. 
They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation. 
I made my most recent trial payment since XXXX XXXX that was mailed directly out of my bank account and they can not seems to locate it. 
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear TransUnion is recently sent over a complaint telling in writing that there we 're several errors on my credit report. You responded and said theirs not any inquiries on my credit report but I second that. I looked over the credit report today only to notice that these inquiries remained on my credit report. It clearly shows the unprofessionalism on your companies part. This is my third attempt contacting TransUnion by certified mail months ago, also by send a complaint. If this issue is n't resolved in 30days I will be contacting my lawyer to take a civil approach for the damage you 've caused, also with breaking several laws in the FCRA. I sent documents with a police report, certified documents, THE COMPANIES LISTED BELOW : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Accounts : 1.  XXXX XXXX 2. 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 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed XXXX filings on my credit report ; 1 ) XXXX for fraud due to wrong account number reported on report ; and 2 ) a claim that if false and paid in full. TransUnion and XXXX refused to remove the information after I provided proof that I did not have that account with the bank and the other claim I provided a negotiable instrument with contract on it stating that the claim was paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: My eight years account with Bank of America was subjected to a monthly maintenance fees of {$12.00} per month since last year XXXX XXXX without any prior NOTICE/INFORMATION or explanation from the bank. When I called the bank for explanation and refund i was told by XXXX of the bank official that I have to maintain a direct deposit of at least {$250.00} or a minimum balance of certain amount. I informed the bank that even during this period of review XXXX XXXX XXXX, XXXX there were instances of irregularity, that is situations where I had a single direct deposit of over {$250.00} into the account and my account was still subjected to this illegal {$12.00} service fees. 
The bank will not refund my money when I asked for a refund despite the fact that I was not informed of any changes or the existence of such fees since my banking with the bank for the past 8years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed the inaccuracy reporting by the credit agency and have asked them to provide information of they results as well as the reporting individuals name, address, phone number and other identifying information. The credit bureau responded that the information was verified to be correct. They advised the reporting company was the XXXX Bankruptcy Court. I mailed a letter certified to the whom they advised reported the inaccurate information. The XXXX court advised that they do not report to credit agencies and could not locate any records that belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account. In addition, this credit repository is the only bureau reporting XXXX XXXX XXXX ref # XXXX. This company already claimed that they do not own this account. In fact, I do not recognize the account at all.

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 10-11-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ive sent out a debt validation to Caine and Weiner company on XX/XX/XXXX/17 they could not validate this debt for {$120.00} because it wasnt mine so therefore they removed it. XXXX removed it off my credit report but XXXX did not! The debt is not mine and I would like it removed from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In XXXX and XXXX I wrote a letter in writing to verify the following account. I received a response the account was verified with no proof provided as requested. Also XXXX XXXX XXXX sent me a consent of treatment form along with an itemized bill, that I did not consent for 3rd party. Therefore I took it upon myself to investigate. On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX requesting them to provide the following as validation : *Copy of my signature with the provider of service to release my medical information. 
*Contract showing I signed with the CA to disclose medical information. ( THE CONSENT FORM IS NOT A CONTRACT WITH THE 3RD PARTY ) *Details on rather the contract was sold and amount. 
*Copy of contract allowing 3rd party to collect and report to the Credit Bureau XXXX 
*Texas Surety Bond information as required by Sec.392.101 As of XX/XX/XXXX, I have not been provided with the above and I also wrote to BBB to assist and they failed to respond to them with 22 days.

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 10/24/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I am follow up on the ongoing problems caused by poor customer service of Scottrade Bank and their affiliates. 

In order to warn current and future customers of the poor customer service and illicit actions of Scottrade Bank, I have requested the CFPB public this description on consumerfinance.gov so that others can learn from my experience. 

Preliminarily, after being a victim of the data breach disclosed by Scottrade Bank XXXX I was consequently the victim of identity theft that caused a hacker to gain access to my Scottrade Bank account. The hacker then used the leaked information to conduct fraudulent transfers. 

Upon notifying Scottrade Bank of the fraudulent transfers I heard silence. Indeed, to this day Scottrade Bank will not provide me will all of the evidence they are required to disclose under Regulation E. 

I followed up with Scottrade Bank, citing the Regulation E clause, and Scottrade Bank responded by saying that I was " harassing [ Scottrade Bank XXXX '' and has refused to respond to my legitimate requests. 

I am writing this as fair warning to all customers of Scottrade Bank that in the event of a dispute it is likely that XXXX Bank will refuse to respond to your concerns. Indeed, you can review other nefarious actions of Scottrade XXXX. 

I am open to receiving a full response from Scottrade Bank that addresses the concerns and have repeatedly opened channels of communication with them, however, Scottrade Bank continues to refuse to respond to my questions.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX XXXX XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?

Company response to consumer: Closed with explanation