milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My original mortgage account with XXXX was transferred to Seneca in XX/XX/XXXX. XX/XX/2015, I received a call from Seneca demand payment, up until this point I have no knowledge of this since I did not receive any notice from XXXX. I immediately contact XXXX and for the next couple weeks I had called XXXX repeatedly trying to get the transfer letter so I know whom, account #, and where to pay. They finally emailed me the letter on XXXX XXXX, 2015 ( I have the original email from XXXX ). 
Since I did n't know the account number and where to send payment ; I continued to pay the original mortgage holder for the month of XX/XX/XXXX. For XX/XX/XXXX payment, I send to Seneca and on XXXX XXXX they rejected the payment ; they said because I was two months behind and they immediately reported me to credit bureau for 60days late ( even late payment occurred on the XXXX of the month ). I discovered this a fews days later so I immediately contact XXXX and have them do research to see why the payments did n't get transfer to Seneca. While waiting for the result, I did n't want to get hit with a late payment so I called Seneca on XXXX XXXX and made 3 payments over the phone ( I figure I 'll get a refund from XXXX later ). At that time I also contact my bank trying to get copied of the checks XXXX since my bank statements shown that it was debit from my account for the months of XX/XX/XXXX and XXXX XXXX. On XXXX XXXX my bank told me that the checks for XXXX and XXXX had not been cash so they going to void it and put the funds back on my checking account ( I also have this proof from my bank ). I do n't know why XXXX did n't accept the checks and did n't forward XXXX and XX/XX/XXXX payments to Seneca. The bottom line is I have made payments on time during this whole transition and now I get penalize from Seneca for XXXX mistake. 
I submit these information to Seneca, emailed them the original email that I got from XXXX, the XXXX bank statements and the bank credit that my bank refund back on my account. I had spoke to several customer representative at Seneca and one supervisor. So far they refused to extract the late payments report to the credit bureau. 
My account number with Seneca is XXXX. Please help me to correct this mistake and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a roofing company that is not being paid because Ocwen Financial insists on using a monitored claims AFTER the roof was completed! I was not informed of that process initially and it is creating many problems. The Ocwen process does not fit the remuneration process required to pay the contractor and they have offered no means to resolve to actually handle the problem. I ca n't finish all the claims work needed during the winter to adhere to their process. The roofing contractor is a small business with a dozen or so employees and needs the funds to pay its workers. Ocwen is telling me they pay at a 30 % of claim, 60 % of claim and 90 % of claim after an inspection. There are XXXX parts to my insurance claim. Aside : Ocwen is loan servicer and not an insurance company. The insurance company has already seen and accepted the new class XXXX roof completion and sent the remaining funds to pay off the contractor. The problem is the insurance claim has XXXX parts : the roof, windows, deck and painting due to hail / wind / water damage. Ocwen 's process treats is all as XXXX claim. The wo n't release enough funds for me to pay the roofing contractor. They will not resolve the problem and are unresponsive to the real problem. Very concerned I will have lien on my property based on Ocwen 's processes which do n't fit this claim situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... 

Link to full text of Citigroup policy XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: THEY FORCED ME INTO DEFERMENT AND REFUSED TO LOWER MY PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Payday loan) with Diversified Adjustment Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from Diversified Adjustment Service Inc. indicating they were attempting to collect a debt on a payday loan I never solicited or received. The call was followed by a letter I received on XXXX/XXXX/XXXX ( the letter itself dates to XXXX/XXXX/XXXX ). I called in reply to the letter, and confirmed that in order to dispute it formally, I had to do so in writing, which I did the same day via email. I sent documents in support of my position that I never received any such loan - specifically bank deposit statements from the period in question showing no deposit of any kind for the amount in question. The collection agency claimed the original loan was issued on XXXX/XXXX/XXXX, and then remanded to collection later ( around XXXX of XXXX ), however I received no communication until XXXX - mostly in the form of phone calls from differing numbers, none of which can be returned at the same number. After formally disputing the debt in writing on XXXX, a call was made to me at XXXX XXXX on XXXX, demanding immediate payment of the debt, in violation of and in indifference to the following : XXXX. Validation of debts [ XXXX XXXX XXXX ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I have made several attempts to contact the original claimant, XXXX XXXX XXXX XXXX, who remain at this time unreachable by phone to me - only customer service and technical support are reachable. I was transferred to someone from HR/Payroll, however, my call instantly went to voicemail, and has as yet not been returned. My login for the Agent Services page on the company 's HTML site ( XXXX ) is valid, but the page has no content other than a link to the site homepage, and the link to the agent services page ( XXXX ) on the homesite ( XXXX ) is currently locked, with technical support having sent me an email claiming it will fix the problem within 48 hours. At present however, neither the original claimant ( XXXX XXXX XXXX XXXX ) nor the debt collection agency have provided any documented proof of the debt, or given me reasonable access to it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received an offer from Capital One to open a checking and money market account to receive a {$400.00} bonus ten weeks after completing the conditions ( see attachment ). 

Due to fraud alerts on my credit reports, I was unable to open the accounts online. On XX/XX/XXXX around XXXX central time, I went to the Capital One Banking Branch located in XXXX, Texas and opened the checking and money market accounts with the Bonus Offer Coupon. The Capital One Banking Representative called over her manager to input the code offer into the computer and I was told that I would automatically receive the {$400.00} deposited into my account within 10 weeks as stated on the Bonus Offer. One week after opening the account, I went to the Capital One website and printed a description of the Bonus Offer ( see attachment ). 

After completing the stipulations of the Bonus Offer, I waited patiently week after week but never received the {$400.00} Bonus. Finally, on XX/XX/XXXXaround XXXX central time, I called Capital One at XXXX and spoke with a representative named XXXX. After explaining my concerns to this representative, I was transferred to a manager named XXXX. This Capital One Manager stated that the Capital One representatives at the Branch misspoke and that the offer was only targeted to certain individuals. XXXX offered me a {$100.00} consolation, which I refused. I stated that I would be escalating this as appropriate since there was no supervisor above him that I could speak to. The phone call lasted 18 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Student loan (Non-federal student loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX XXXX XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, XXXX, XXXX ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The dates and loan amount default need to be checked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Debt collection (Payday loan) with Delbert Services (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a loan with Western Sky / XXXX / Delbert Financial Services. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by XXXX XXXX XXXX. Thereafter, I personally contacted XXXX XXXX XXXX and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with XXXX XXXX XXXX. I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, XXXX XXXX XXXX recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Can't contact lender

Complaint: I did n't see the proper selection for my complaint so I chose ca n't contact lender. I am writing because I secured a loan with a company called the Cash Store in XXXX, TX. The loan sad for {$1200.00}. After securing the loan, my bank account was closed and the lenders were unable to get the loan amount or the interest from me. About 3 weeks later I got a call from an attorney saying that they were filing criminal charges against me for fraud. Saying that I passed a blank check in the state, when in fact, I never wrote a check. I only gave my debit card and they checked to make sure the account was active. I never got anything in the mail from this company, stating that I needed to retain legal representation, just a call from an attorney from a XXXX number stating that I needed to get an attorney or one would be appointed to me. They also stated that a warrant would be issued XXXX my arrest and that fraud would be placed on my record. The actions this company is taking in the state of XXXX is illegal. It is illegal for someone to be arrested for a payday loan in the state of XXXX, yet, they have threatened to do so. I want people to know that this is illegal. Is there any way you can help me get this taken care of? Thank you in advance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Transaction issue

Complaint: On XX/XX/XXXX I accepted a trial offer for additional internet exposure for my XXXX from XXXX. I agreed to a XXXX time fee of {$90.00}, On XX/XX/XXXX a company calling themselves XXXX billed my credit card {$220.00}. I had no idea what XXXX was nor any idea what product or service they provided so I disputed the charge with Capital One and requested that all my Capital One accounts be immediately closed. Subsequently, Capital One denied my dispute claim and rebilled my account despite overwhelming evidence that the charge is fraudulent and that no value, product or service was ever delivered. There is significant information available which has been provided to Capital One outlining dozens of complaints regarding RealEstateAgent.com and the misleading and deceptive practices they employ to steal money from unsuspecting consumers. Please see : XXXX and XXXX Both these websites contain information about the fraudulent, misleading and deceptive practices employed by XXXX. The pattern continues see : XXXX. Apparently, this vendor does business under a variety of titles - XXXX, XXXX and XXXX. Capital One has proven themselves to be complicit in perpetrating this fraud by favoring their vendors over their cardholders and consumers. I did authorize the initial charge but did not at any time authorize any additional charges and was assured by their agent that there would never be any additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting wrong information in my file and they keep telling me that it has been verified which if the accounts have actually been verified then i am requesting the full proof of the evidence that they have telling me that these accounts are mine if Equifax cant provide the proof by law they have to get rid of these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other

Complaint: My name is XXXX XXXX and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on XXXX - XXXX XXXX. XXXX capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on XXXX 2016 it was supposed to be on the XXXX of each month. the rep i have spoken with promise that it will request it to be on that date. after that when i did not make the payment on the XXXX for XXXX of my credit card the following month they automatically charge me late fees for XXXX then i called to dispute that and another rep. told me he will not remove the late fees because it was not a bank error. that is how all the problems started. it tooked me 3 months to fight that till back on XXXX 2016 i had another rep who decided to fix the problems for both of my credit cards so i can make my payments. i have never been late since i have my cards. capital one representatives are very rude, they even hang up on me several times. I have this rep removed all the late fees for those months after that fights. But they still did not remove the incorrect information reported to the credit bureaus. That started another 6 months of battle with this disgusted credit cards company. One supervisor XXXX hangup on me when i told him a rep name XXXX says she will removed the incorrect information given to the credit report. she put me on hold and come back and says i can not do it. i asked her what you means you can contact the credit bureaus and removed when you say you can do it, She respond to me that she will transfer to XXXX the supervisor who wasted my time for 2 hours and hang up on me. I am reporting the disgusting ways the employees of this company destroyed they customers credit by reporting wrong informations while saying something else to the customers

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: While checking my personal credit reports which acquired from  XXXX ,   XXXX    and  XXXX , I noticed an inquiry made by Credit Plus.I did not authorized anyone of this company to make inquiry and view my credit report.Credit Plus have violated the fair credit report act section  1681 (  B ) I request that Credit Plus mail me a copy of my signed authorization form that gave them the right to view my credit report so that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Synchrony Bank relies on incorrect credit information which they wo n't share. In addition they do n't return telephone calls.

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 09/19/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: I got this letter in the mail that i was a Mystery Shopper there was a money order for {$980.00} I depoist this money order in my checkng account, I started doimg what the letter said for me to do. I shop for the thing i was suppose to get, then I gat a money gram for the rest of the money, It was {$770.00} plus {$11.00} for tranfer. Then today I got a latter from my bank that they returned the money that I deposit,, now I am out {$1700.00}. can I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (NJ).
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 I reviewed my credit report and found late payment on the dates below : 30 days past  due  X/2016 ,  X/2016 , 60 days  X/2016  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.     Also, you are reporting this account twice on  XXXX  which the second account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My previous Case number : XXXX was not resolved. We have appealed yet another Loan Modification denial because Wells Fargo continues to make errors on my loan modification request and does not thoroughly review all their mistakes after we have sent lengthy explanations and documents of all the inaccuracies. Wells Fargo consistently provides conflicting information in their reviews and when we point out their mistakes there is no acknowledgement of their errors, instead a generic denial letter is mailed. We have attached documents to support their errors and expect a full and thorough investigation.

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