milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Recieved call from a collection company regarding an amount owed to previous landlord for back rent following moving out of our apartment. The apartment claimed we did not give adequate notice of vacating. We were told by the apartment complex that we would receive a written notice of amount due following move out. This written notice was never received. We requested a written statement from the collection company and received it after 2 requests. After receiving written statement with amount due, we reached out to the collection company regarding payments to resolve the amount. Spoke with a gentleman who informed me that making a payment and continuing to pay each month would prevent the amount from being placed on our credit reports as a collection account. Following that conversation, I immediately went online and made a payment. I then called and informed the representative that I had made the payment. I did this to be certain that I was following the correct procedures to protect our credit and resolve the debt and was assured that I was. Within one week of making the payment, the company hit both mine and my wifes credit with a collection account, which was extremely detrimental to our score. I then spoke with the representative at the collection agency again, letting him know that a collection account was placed on our credit, and he informed me that he would be speaking with his manager to get it resolved and removed and would be calling me back that afternoon. I never received that callback. After two weeks, the representative did call back. He was oblivious to the conversation wed had prior regarding the collection account. He assured me AGAIN that he would reach out to his manager and have him speak with me directly. I have yet to receive a call back, and can not get in touch with the manager despite repeated attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (CA).
Issue: Closing on a mortgage

Complaint: Today XX/XX/XXXX I talked with Arvest Central Mortgage Co. Supervisor XXXX XXXX. 
Phone # XXXX X XXXX about the paid off Loans- Escrow Refund to me with the check # XXXX the amount of {$1.00}, XXXX The problem that they placed the order of the payee with my ex-husband & my name on it. I could not deposit the check. Because my ex-husband and I had borrowing the loan and both our name on the note since XX/XX/XXXX and the note had been bought by Arvest Central Mortgage Co. in XX/XX/XXXX. In XX/XX/XXXX, we divorced and the court ordered I kept the property and responsible for the note.
XX/XX/XXXX, I have refinanced to the new loan from XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXX overpaid off the Arvest Central Mortgage Co. {$1.00}, XXXX. 

I called Arvest Central Mortgage Co. Representative many times and explained the situation that my refinance new money paid off the loan NOT my ex-husband money. I suggested to provide them the divorce decree court order in XX/XX/XXXX. But they still kept their opinion that my ex-husband on the note and they have refund my new refinance money with his name on it.
My ex-husband and I on the borrowed note back in XX/XX/XXXX but he is not responsible to pay for the note. The court ordered me to pay and I refinanced the new money paying off the loan, how come Arvest Central mortgage takes my money and goes against the court order to pay for my ex-husband?
My ex-husband and I divorced, we do not have the same account with two names on it, we can not deposit the check.
Arvest Central Mortgage does not refund my money under my name, I have no way to get my money back under my name. This is a big amount of money for a single mother working under minimum wage to have the money for my living expenses. This is unfair for me, Arvest Central Mortgage Co. did not obey the divorce court order and tries to keep my money longer in their bank. 

I hope that CFPB can help me to get my refunded mortgage check, under my name only, which had been overpaid off by my new loan. Arvest Central Mortgage should follow the divorce court order to pay for me only. 

I appreciate for your time and help me to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In 2015 I agreed to a debt consolidation with US/DOE for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts.

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the US/DOE to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} Balance )

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 02-03-2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About XXXX months ago I discovered a collection account on my credit. My credit score which was XXXX XXXX XXXX on all XXXX bureaus dropped to the mid XXXX 's. I disputed the unknown collection account with all XXXX bureaus and was told that the account was verified as belonging to me!!! I have contacted the collection agency XXXX times by certified mall and I have yet to get a response from them or for them to remove the account. I was never notified or questioned about the account before it was placed on my credit. I do n't even know what it is for all I know is that it is not mine and it was not originated by me. 

Caine & Weiner Acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Customer service / Customer relations

Complaint: I had an HSBC credit card that was charged off in 2007. The credit limit was {$500.00} and the high balance was {$790.00}. HSBC sold this debt to someone else. They are continuing to report this account on my credit report after 8 years? This was supposed to have been removed last year. This is doing severe damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my husband and I fell behind on our mortgage due to his being laid off of work and subsequently filed Chapter XXXX bankruptcy protection. Our mortgage at the time was being serviced by Ocwen. We filed chapter XXXX on XXXX XXXX, XXXX and began paying as scheduled by the Chapter XXXX trustee with the understanding that all missed payments were part of the chapter XXXX plan. We continued to pay our mortgage to Ocwen on time each month and at some point our mortgage was sold by Ocwen to XXXX. Now that we are discharged from Chapter XXXX, XXXX is claiming that we are behind dating back to XXXX XXXX when our loan was owned by Ocwen. After contacting Ocwen, they gave me a copy of our payment history and it appears that they were not applying our monthly payments properly, instead of our post-petition Chapter XXXX agreement, they were applying each month to cover past due amounts that were being paid through the Chapter XXXX trustee. I would like Ocwen to fix the accounting errors on my account and work with XXXX to also correct this error. XXXX is reporting us as late every month since were were discharged due to the " missing '' payments that Ocwen misappropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent the reporting agency a letter on  XXXX / XXXX / XXXX  then again on  XXXX / XXXX / XXXX  and finally another letter on  XXXX / XXXX / XXXX . They have not responded to my request with the required 45 day time.

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 02/15/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But Capitol One sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (CA).
Issue: Managing the loan or lease

Complaint: Applied for a vehicle loan online with no credit back in XXXX. I was approved for a XXXX XXXX XXXX for XXXX. Ive always had problems with this company. For the first three months I had an allotment set up with them and they claimed that they did not receive my allotted payments because they did not have the right allotment number after I sent them the allotment multiple times. In XXXX XXXX, I deployed and set up an auto payment where monthly payments would be made every months. On XXXX/XXXX/XXXX my car was repossessed for missing 3 monthly payments. I called and tried to receive information on my auto payment plan but the representative told me she could only tell me how much I needed to pay to get my car back.

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 08-05-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (DE).
Issue: Credit decision / Underwriting

Complaint: My mother obtained a credit line mortgage with PNC bank, I 'm not sure about the details because I 've requested the terms of the loan several times, but it 's not legible. I 've made payments based on advice from the estate attorney, until a couple of years ago because I can no longer afford to make the payments. I 'm was the executor of the estate and filed all the paperwork to PNC and five years after my mother 's death they are harassing me about the payments on a house they 've now placed in foreclosure. 

I 've made an offer on the house a couple of times and have n't heard back from PNC on, my offer, but are receiving constant calls about the back payments. 

My mother 's house had been paid off for several years, and even though I can not prove this I believe she was misinformed and obtained this credit line under distress because she was very ill at the time. In addition, I find it very hard to believe there was no insurance on this loan when she had insurance to cover every credit card that had a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Co-borrower on XXXX private student loan and the debt is past due. I have made several attempts with the lender to adjust the payment amount but they wont do it. I sent a cease and desist letter to the lender to stop all calls unless they were taking a specific action on the accounts. They are still calling after receiving my letter. 
They called on XXXX/XXXX/2016 at XXXX XXXX from XXXX and I told them I had a cease on all calls. They said they can continue to call. 
They called again on XXXX/XXXX/2016 at XXXX XXXX from XXXX and they were told to cease all calls because the letter is on file. They still refused to stop calling. 
Received another call from XXXX on XXXX/XXXX/2016 at XXXX XXXX from XXXX, XXXX # XXXX, and I told him to stop calling because I have a cease letter on file. He said they can continue to call. 
I called the same phone number back on XXXX/XXXX/2016 and XXXX, Emp # XXXX, answered and I had a discussion with her about ceasing all calls. She said that only applies to automated calls. She hung the phone up. 
I called back again on XXXX/XXXX/2016 and XXXX answered the phone. I asked to be transferred to a supervisor and he would not answer my questions or transfer the call to a supervisor. He eventually said a supervisor would call back. 
A supervisor called back and said that the Fair Debt Collections Practices Act gives them permission to still call even though I have given them a written letter to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing has called me twice now identifying themselves as a debt collector, but I am not overdue or late in making any payments. 
They do not identify the debtor. 
Recorded message tells me to call XXXX and completes. 
I feel that this is a scam for me to reveal important information on myself

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Customer service / Customer relations

Complaint: I have been unsuccessful in getting Capital One Credit Card to refund to my Capital One checking account an overpayment that was made to my credit card in XXXX 2016. On XXXX XXXX, 2016, I noticed a double payment to my credit card had been made from my Capital one checking account. ( How that happened is another story ; suffice to say Capital One 's online payment system does not prompt you to verify either the amount of the payment or that you in fact want to make a payment. It just processes the payment for the full amount due as soon as you click in an email the " PAY NOW '' button. That seems to be a major flaw. ) In any event, on or about XXXX XXXX I called Capital One and asked for a refund of the extra payment amount. They agreed to do so. On XXXX XXXX, 2016, they debited my credit card for the overpayment, but the money was never refunded to my checking account. However, on XXXX XXXX, 2016, the credit card division surprisingly reapplied the amount back to the credit card. When I called on XXXX XXXX to inquire, they claimed that I had instructed them to re-apply the funds back to the credit card -- something I never did. I again asked them to refund the overpayment back to my checking account. On XXXX XXXX they again debited my credit card account. But as of today, XXXX XXXX, the refund is still not in the checking account. After 1.5 hours on the phone with them today, I was told that on XXXX XXXX all that happened was a " request to initiate an investigation '' as to whether the funds should be transferred, a process that takes 5 calendar days and, if approved, the transfer would take an additional 5 business days to appear in the checking account. However, no one at Capital One, either in banking or in the credit card division, could verify that the transfer had been approved. I have lost confidence that Capital One 's credit card division can handle this seemingly simple request, and ask that you intercede on my behalf. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2017 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Customer service / Customer relations

Complaint: I purchases clothing items from XXXX on XX/XX/2017 and after receiving the items I noticed that they did not come from XXXX but a third party. After examining the items, a couple of the items were damaged and the others were of very low quality. I contacted the company by email and requested that the items be returned. All I can get from the company is a run a round and that they will issue me partial refund and I can keep the items. This is not acceptable since the refund is about 1/3 of the cost of the items. The last contact with the company was XX/XX/2017 and still they are insisting on partial refund of the items.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: It appears that there is a major flaw in Bank of America software. Intentional or unintential not sure. But a deposit of a Check of Friday, or Saturday would not clear due to the bank holiday on Monday XX/XX/XXXX, would not be processed until Tuesday, which means the funds would be available on XX/XX/XXXX, well Bank of America software does not assume the holiday as it make on the deposit slip and online that the funds would be available on the XX/XX/XXXX but they are not, I understand why but do not understand why they posted wrong. This must happen every holiday causing much issues for people. I out several XXXX dollars and may have XXXX.me getting a mortgage

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 09-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Dear Consumer Bureau, I ask for you help as my husband and I are trying to purchase a home with both of our credit. I sent Equifax a letter explaining items on my credit that do not belong to me. I have filed a police report with the XXXX XXXX Police Department and have also sent a copy of the police report to Equifax. Since XXXX XXXX, I have been disputing with Equifax and they have not removed a judgment account associated with a XXXX credit card that does not belong to me. They have removed the XXXX credit card but not the judgment which is linked to this XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Credit card) with Diverse Funding Associates LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Diverse Funding bought a very old debt and placed a fake payment to re-age the debt. I have proof from my banking statements and institution as to when my last payment was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (NC).
Issue: Trouble during payment process

Complaint: I refinanced my home with PNC on XX/XX/XXXX. I did not want to set up an escrow account, but the loan officer told me that it is mandatory for closing and I can call and cancel at anytime after closing.
- In XX/XX/XXXX I sent a request to cancel the escrow account. My request was denied and I was told that my loan-to-value ratio does n't qualify.
- In XX/XX/XXXX I sent another request to cancel the escrow account. My request was denied and I was told I have to complete 12 payments to qualify.
- In XX/XX/XXXX I sent another request to cancel my escrow account. My request was approved, but PNC demanded that I must pay approximately {$1300.00} fees for closing the escrow account. I talked to the executive client relation, and they told me the fees is to offset the rate discount I received at closing. I was never told that during closing. 

I read the contract and there is no mention of any fees dues when an escrow account is closed. I was deceived at closing, and I was given various reasons for the refusal of my request, and finally the bank want to charge me exuberant fees to sway me not to close the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (VA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: We applied for a VA mortgage loan with Homebridge Financial Services. We were assured numerous times by our representative with Homebridge that we would be able to do a loan modification on our VA loan after closing since we would be making a substantial payment soon after closing. However, we are now being told that such loan modifications are not available on VA loans. We have a larger payment that we expected to have because of this mis-information and we will have to pay thousands of dollars to refinance the loan to reduce that payments as planned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Trouble during payment process

Complaint: Wells Fargo Home Mortgage on XXXX XXXX, 2017 fraudulently charged me {$150.00} for two days of 3.8 % interest on a {$48000.00} principal balance. On XXXX XXXX, 2017 I paid Wells Fargo {$310.00} in interest covering the monthly interest cost. So two days of interest on {$48000.00} at 3.8 % a year is {$5.00} a day or about {$10.00}, not the {$150.00} billed by Wells Fargo Home Mortgage. Wells Fargo owes me {$140.00}. Thank you for investigating and helping to resolve. Sincerely, 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