milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Struggling to pay mortgage

Complaint: I divorced in XXXX, and as part of the final divorce decree and property separation agreement, 1 of our homes ( XXXX ) became my ex-husband 's full responsibility. I remained responsible for our XXXX property. My ex-husband failed to maintain the mortgage on the XXXX property and I have been working with the mortgage company, Capital One, for years attempting to resolve this matter. My ex-husband 's failure to maintain the mortgage has affected my credit and has the potential to affect my security clearance. Because of the negative impact on my credit, I could not refinance the XXXX home and lost that home to another financial institution. I was completely overwhelmed with trying to work through issues with the divorce, the IRS due to my ex-husband 's failure to pay taxes ( which I have since resolved ) ; and the two mortgages ( XXXX & XXXX ). 

As it relates to XXXX and Capital One, I first tried to short-sale the property and received an offer on the property. Capital One failed to respond to the offer. I then requested a deed in lieu ( DIL ), when it became apparent that my ex-husband was not going to maintain the mortgage or work with the bank toward another resolution. By letter dated, XX/XX/XXXX, Capital One approved the DIL, but asked me to pay {$3000.00}. Capital One, however, subsequently closed the file on or about XX/XX/XXXX, because title was not clear, without giving me or my ex-husband the opportunity to clear title. I had been in contact with Capital One at least 4 times between XX/XX/XXXX and XX/XX/XXXX, and they failed to inform me that the title was not clear. I subsequently retained an attorney and cleared the title and requested that Capital One reopen the file. They did. Capital One then asked that we obtain home insurance on the property. Unbeknownst to me, my ex-husband allowed the mortgage insurance to lapse on the property. Nonetheless, we obtained the home insurance, as requested. 

I learned on Monday, XX/XX/XXXX, that Capital One is offering a loan modification, and not a DIL. Even though by court decree I am not responsible for this property, I have been trying to work with Capital One in good faith for years to resolve this matter. My divorce was hard enough and Capital One continues to make me re-live the stress of this situation. I have made no less than 40 calls to Capital One over the course of the last year, but Capital One continues to keep moving the mark and are not working with me in good faith to resolve this matter. I have retained 1 attorney to help with the title issues and paid another attorney for overall guidance on this issue. I am contacting CFPB, because my efforts have proven fruitless and Capital One is refusing to operate in good faith. Accordingly, I would appreciate assistance with bringing this issue to immediate closure.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I filed Bankruptcy, Chapter XXXX in XX/XX/XXXX, the mortgage was included and the mortgage was foreclosed XX/XX/XXXX and a Sheriff Sale was held. Since that time Ditech Mortgage has sent me monthly statements with the deferred portion of the mortgage owing with additional charges added to the deferred portion of the mortgage. I have called them repeatedly about these statements to no AVAIL. Ditech claims these notices are for informational purposes. My concern is if, I am able to REEDEM the property, Ditech will place a lien on the property for the deferred portion of the mortgage. The total dollar amount of the mortgage balance was {$67000.00} the law firm of XXXX., XXXX XXXX MI, XXXX. Their phone # is XXXX. This mortgage was modified with XXXX. XXXX XXXX, as trustee for the certificate holders of the XXXX inc., Asset-Backed Certificates Series XX/XX/XXXX-XXXX, listed for mortgage sale. The modification was for an ARM. {$56000.00} the principal balance and {$16000.00} of the principal balance to be deferred for approximately 21 years due in a balloon payment. Ditech was not known to me until the court hearing and Ditech appeared in court to contest the stay of the Foreclosure Sale on XXXX. At this time I have received monthly statements from Ditech Mortgage. Is this a form of intimidation? Was this a MERS mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (DE).
Issue: Other fee

Complaint: Barclay Bank charged interest fees on interest only balance. Account balance was paid off $ XXXX then bill was sent showing a new balance due to interest of {$6.00}, a {$10.00} payment was made, however on next statement there was {$.00} in interest charged. My understanding is that it is no legal to charge interest on interest and believe this is a violation of the unfair and deceptive act that could be affecting many of their other customers.

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 monetary relief
Consumer complaint received 09-08-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have recently been declined for a loan modification, and am having a very difficult time with Ocwen. After my decline for a modification Ocwen offered me a forbearance plan. {$9500.00} due XXXX XXXX and {$2600.00} due by XXXX XXXX. After everything I 've been through how can I pay that? And when Ocwen has just reviewed all of my paperwork how can they even offer that? It 's crazy. In XX/XX/XXXX my wife lost her job and we had to use all of our saving to make the payments. We did this all through XX/XX/XXXX. We fell behind in XX/XX/XXXX and applied for a modification. We received the modification and started to make payments again. Unfortunately XX/XX/XXXX w fell behind again due to the fact my wife 's mother became ill and passed away. We continued to make payments well into XX/XX/XXXX. In XXXX XXXX we made a payment and it was returned. We had a fraud on our bank account that caused this, and took over a week to correct. Now Ocwen will not accept payment and is forcing us into a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: I stayed in the car and send my wife to withdraw money from atm at XXXX at XXXX Texas XXXX. She had my serve debit card. I gave her the pin and asked her to withdraw XXXX if it did not give her the amount to cancel it, and we can withdraw it from another bank. When she saw that the atm was going to charge her a fee she declined the transaction. As she declined it no money was dispensed. We immediately left to another bank to try to withdraw the XXXX not knowing that American Express had charged me the XXXX to my card when no money was released.I called american express they informed me that they will see if they refund me, in other words they do not want to refund me. Another thing the ATM only dispenses up to {$400.00}, how could they release XXXX. I never received the money yet american express charged me the XXXX Immediately. They have camaras at the Atm no money was dispense even XXXX has cameras so they can see no money was released. I spoke to the manager called XXXX and they informed me I had to contact the XXXX, when I called them they informed me to file a complaint with American Express

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Privacy

Complaint: At approximately XXXX today, my XXXX XXXX XXXX daughter received a call on her cell phone from Chase Card Services, asking for me. I have never authorized Chase to call that number to contact me. I do n't know where Chase obtained this number, but my daughter was very upset and I feel that my rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MI).
Issue: Managing the loan or lease

Complaint: I called my car loan company on XX/XX/XXXX ( due date is XX/XX/XXXX, but I worked a lot that day, I am a nurse, I ca n't stop to make personal phone calls ) to ask for one month deferment ( I was never late with any payments since I got the loan, XX/XX/XXXX ). The man who answered promised that he approved XXXX time deferment as long I pay a XXXX dollars as a fee ( was very evasive, rude, hostile, condescending, but told me that in the loan conditions the consumer can get XXXX deferments, XXXX each year, later I was told different from another employee, that the deferment can be taken even two months consecutively ), the employee XXXX, ID XXXX took a XXXX debit charge ( said that it was a fee for the deferment ), but did not do the deferment ( I found out on XX/XX/XXXX when the company called me ( I talked to XXXX, ID XXXX ) to tell me that I am late paying my monthly payment. I told them what happened and they said they will fix the issue, do the deferment and just call next day and check. I did called next day, XX/XX/XXXX and the initial employee ( XXXX, ID XXXX ) who took the XXXX dollars payment answered. It was still not taken care of. I asked him how come he did not do what he promised, the deferment. His answer : " I do not know what happened ''. I believe that he deceived me initially to cause me to lose my car, so Wells Fargo Dealers Services can collect the loan AND the auction value of my car. 
I have a letter dated on XX/XX/XXXX sent to me from Wells Fargo Dealers Services that says that I made a payment of XXXX dollars, no mention of deferment. So XXXX, ID XXXX deceived me. Never had the intention of defering any payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Mortgage (Other type of mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Applying for a mortgage

Complaint: Dear Consumer Financial Protection Bureau Representative : Several week ago, an official from Banco Popular de Puerto Rico ( BPPR ) called me with some alternatives for the refinance of my actual Convectional Mortgage with BPPR, using the Federal HARP Program.
<P/>
The bank official offered several alternatives with different scenarios ( years and mortgage rate on interests ). During the call, I request a couple of days to decide with my family among the different refinance alternatives proposed by the Bank official. He promised to call me again in two days, and I promised him that in two days I will decide among the different alternatives proposed. In facts, I was very interested in refinance my current mortgage for a new mortgage for 15 years at 3.50 interest rate. This is one the alternatives offered by the official.
<P/>
The official NEVER call again. I need to refinance urgently, because the mortgage interests are changing rapidly. <P/> JXXXX XXXX XXXXs de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico 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 04/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The issue is that I have been trying to work with our lender since XXXX to work out a modification on our home. I was dealing with XXXX XXXX XXXX at first and they never would do one. XXXX XXXX XXXX sold the servicing to Nationstar in XXXX of XXXX. So we started the modification game all over again. The reason I call it a game is you send all the paper work they request and they say there are pages missing. They call and leave you a message, you call back and talk to voice mail never a person. I know that in the state of Georgia that there is a statue of limitations on signed contracts which is 6 years. Nationstar advertised the property for foreclosure sale on XXXX XXXX XXXX. I was at the courthouse for the sale to see if it would be sold. In Georgia the listing has to be cried-out on the courthouse steps. This was not done. Which I have confirmed is illegal, and I do have witnesses. I am still living in the house. They have now listed the house with a realtor to sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: APR or interest rate

Complaint: In XXXX of 2011 I signed up for CareCredit ( GE Capital Retail Bank XXXX in my dentists office to help pay XXXX. I accepted the interest-free financing credit card and was given a {$500.00} limit. I used the full credit limit on the spot to help cover the bill for XXXX that I received that day. The card was received a few weeks later in the mail. I paid on the card for over a year without missing a payment. I then discovered my CareCredit account balance jumped up hundreds of dollars. Found out shortly after seeing this that the interest was added for the full financed amount of {$500.00}. I was not aware and not informed that I would have to pay 26.99 % interest rate on the full amount financed if not paid in full within 12 months. My complaint is that I was not aware that I would be charged for interest and not at such a super high rate. I thought it was an interest free medical credit card. I discovered that there was a class action lawsuit filed against CareCredit in which this creditor was court ordered to reimburse customers for interest charge to there accounts. I never received information what this do to having moved from the address that was on file with CareCredit before the lawsuit was brought against them. The court order states that consumers that signed up for this promotional credit card in a dental or medical office have 60 months from the time of the transaction to file a complaint to be reimbursed for the interest charges. My account was sent to collections do to inability to pay because of financial hardship. Account is now owned by XXXX XXXX and they are requesting payment of {$800.00} to satisfy account. Last amount I owed before interest was added was less then {$300.00}. I Would like to file a complaint with CareCredit to make sure this collection amount is lowered to that which I owed without added interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2016 about Debt collection (Federal student loan) with Van Ru Credit Corporation (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by Van Ru Credit Corporation 5 times in one day. They would hang up each time I would answer after my answering machine would pick up. When I finally spoke to them, they told me to press my suit that I have a court date coming up. That if I do not pay my bill they will take my home, and my children will be homeless. 

When I called and asked to speak to the President or owner I was told XXXX XXXX does not speak to losers. That he was on his yacht on vacation.

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 09-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: OnXX/XX/XXXX at around XXXX, I deposited {$1100.00} into my bank ATM Address : XXXX XXXX XXXX XXXX , Oklahoma XXXX , OK XXXX. The machine that I deposited has failed me three times before. I called Chase bank to file the claim and on XX/XX/XXXX, they said they did a thorough investigation and only found XXXX. They reverse the remaining credit from my account and said that there was nothing else that they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with Colony Brands, Inc. (WI).
Issue: Problem with the payoff process at the end of the loan

Complaint: I recently paid off my installment to XXXX XXXX for purchasing a few items. When I paid the debt I was informed everything was good to go. I was not informed of any negative information that was going to be reported to the bureau 's saying that I had failed to pay. I was not given any warning statements of any sort. Never once did they report anything positive to the bureau 's but decided to report negative information. I do not believe that is fair to never report anything positive but feel the need to report negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Other mortgage) with U.S. BANCORP (IL).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX XXXX. I applied for a refinance Mortgage loan at U.S. Bank. I was told that I could combine my XXXX mortgage loans into XXXX if my house appraised at {$200000.00} dollars. I applied on XXXX XXXX, XXXX for the loan. This process continued until XXXX XXXX, XXXX that was the date that I received an adverse action notice, citing the value of collateral as reason for my denial. I take issue with the appraisal itself, and the delay of receiving a prompt credit decision, despite several contacts with lending personnel requesting their decision over the months this process took. 

I think this constitutes clear violations of the Equal Credit Opportunity Act timing provisions, and is indicative of a larger problem with US Bank, where MANY other applicants could have been treated in a similar manner. Judging by the lack of concern about timing of adverse action among the bank personnel I encountered ( they seemed oblivious to the length of this process and that there was anything wrong with it ). I am a minority applicant with a long time on my job, excellent credit, and a home in a area of the city that is still appreciating ( a few blocks away from the XXXX XXXX ). I would also contend that the appraisal itself ( conducted XXXX XXXX ) was biased in that it only took comps from the neighborhoods XXXX of XXXX XXXX My property ( XXXX XXXX XXXX XXXX is city blocks XXXX of XXXX XXXX, which is a dividing line for where the majority of economic development and housing appreciations in the area is taking place. 
The appraisal came in late XXXX, had errors in the comps that it showed XXXX XXXX address being twice ) and in the wrong place. At that point I was told the value of my home was {$170000.00} and a loan officer texted me a counter, involving me purchasing PMI if the refinance was to proceed. Frankly I do n't believe it is possible to sell a finished home with garage for so low an amount in this neighborhood ( it would be bidding war that would take it over $ 200XXXX ). I was not happy with that offer and clearly told them I was not interested in that scenario. No subsequent appraisals are evidenced in the loan files, they stuck to whatever value their part-time appraiser came up with and never budged over the 4months I was simply requesting the credit decision in writing. I have other documents including my copy of the appraisal and the adverse action notice ( received XXXX XXXX ) available upon request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom mortgage increased our monthly mortgage payments by {$500.00} stating that we had a " shortage in the escrow account. '' They indicated that the school taxes, homeowners insurance, tax increases. We believe that they had us down for STAR exemption in NYS when it had not gone through back when we applied on XX/XX/2013. For the past three years Freedom Mortgage was paying our taxes based on a STAR exemption that we did not have and when they realized they raised our fixed rate mortgage by {$500.00}.

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 04/25/2017 about Debt collection (Other debt) with ConServe (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We moved to  XXXX   XXXX , MA in  XXXX  of  XXXX . In  XXXX  of  XXXX  our house flooded due to a hurricane on the east coast. We were visited twice by a FEMA representative and eventually awarded c. {$17000.00} for damage repair to our house.     In the fall of  XXXX  I received a letter from FEMA stating that they had determined that we were not eligible to receive those funds because the house in  XXXX   XXXX  was not our permanent residence. It gave a number to call if there was a dispute and I called and explained that it was our permanent residence, our son was   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , and we had been living there and nowhere else since the summer of  XXXX . The person answering the phone for FEMA told me this was a mistake on their part that happened frequently and would be corrected.     In the winter of  XXXX  I received another letter from FEMA stating the same determination, with no changes. I called again and was asked to write a letter and submit proof that we lived there, at which time I sent a certified letter from the school stating our address had been verified since  XXXX . I heard nothing back.     In the spring of  XXXX  I received a letter from th e Dept of US  Treasury stating that they had taken over collections. I called them and was asked to send another letter and proof of residence to their address, which I did. I heard nothing back.     In  XXXX  of  XXXX  Iearned that my tax refund had been garnished due to this supposed debt, and I called again. This time I was given a DIFFERENT address, and I sent the same written materials. I heard nothing back.     This has been on my credit report now for over 2 years and I can get no response from FEMA or the Dept of Treasury, no matter what instructions I follow or whatever effort s I conti nue to make. It is impacting my financial well-being, as I can not obtain credit with these negative errors on my report. I have disputed with the credit agencies but, while this raises t he credit score, it this  still does not allow me to obtain credit of any kind.     Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Federal student loan debt) with GREAT LAKES (IN).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX RAN MY CREDIT WITHOUT MY PERMISSION IN VIOLATION OF F.C.R.A, CALL MY CELL AND WORK AND XXXX AT WORK. 
REFUSING TO SETTLE MATTER OUT SIDE OF COURT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Money transfers (International money transfer) with ACE CASH EXPRESS, INC. (IN).
Issue: Money was not available when promised

Complaint: I send my husband to get home and the money gram agent said it was picked and my husband told me it has a freeze on the money I need to know what to do

Company response to consumer: Closed with explanation