milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX the homeowners insurance company I had with XXXX of the companies XXXX partners with raised my insurance from around {$800.00} to a little over a {$1000.00}. What I could not understand was why and none of XXXX 's agents could provide an answer. My house value had not increased at all. Later I received a bill from LoanCare where my mortgage went from {$850.00} to {$890.00}. I found out later it was due to the increase in the homeowners insurance. I now have a lower cost homeowners insurance yet my mortgage payment is almost {$900.00}. LoanCare I find has a XXXX rating and not only by me, but by several thousands of homeowners. Why? Why? Why? Would my mortgage be transferred to such an incompetent company. Not only that my mortgage has been sold three times and transferred three times as well. Is this what caused the crisis of 2008? If it is we maybe heading the same way, yet again. Something must be done and not only for me, but for others. Take action today by doing your own review and you will find LoanCare is a problem company. Thank you for your time. 

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
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX   (XXXX & XXXX) in regard to financing a used vehicle through that dealership.  After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX.  My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I.  This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX.  So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: ditech has increased our mortgage despite our XXXX 2016 escrow payment of {$320.00}, which should have been applied to our escrow balance. The subsequent mortgage increase of {$27.00} has been paid timely each month yet we continue to receive harassing telephone calls and unwarranted overdue mortgage statements from Ditech Mortgage Company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but Equifax reports the last payment as XX/XX/XXXX. Additionally, Equifax continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and Equifax perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: This is somewhat of a continuation of a complaint about BBVA Compass Bank. Compass Bank had admitted to making errors and had apologized for them. They had retraced the amount supposedly owed from {$3300.00} down to {$1200.00} dollars. They admitted to taking a refund from the extended warranty and GAP policy. The extended warranty was {$2500.00} and the GAP was {$350.00} a total of {$2900.00} dollars. {$3300.00} minus {$2900.00} is {$420.00}. Compass Bank also did not included my monthly payment made in XXXX of 2017. Monthly payments were at {$270.00} dollars. So if I take the remaining {$420.00} minus {$270.00} that would be {$150.00} left as a remainder. Also in the recent past I had placed extra money onto the monthly payment. This paying above the regular monthly payment. So that being {$150.00} left of the remaining balance. Yet I will stress upon this again that Compass Bank did not return my prescription medication. Nor did they offer a refund, partial refund or any compensation of any kind. This medication 's cost greatly outweighs the remaining balance of {$150.00} by quite a bit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX requested a copy of the escrow refund check cashed on our Chase Mortgage which closed XX/XX/XXXX. Received the check around XXXX/XXXX/XXXX and it is shown that my ex-husband did a deposit via phone with only his signature when the check was drafted to him AND myself. Bank of America-his bank should have rejected the check by law as well Chase should have drafted funds back to XXXX and re issued XXXX checks for payee not as endorsed. I went to the XXXX branch in XXXX, filed their paperwork for Fraud and have been advised that the issue is with Chase. Working for a bank myself, I know that they are not following protocol. 

Chase is not following up after multiple requests and letter sent to them XX/XX/XXXX. Chase, the issuing bank, should have rejected the check for payee not as endorsed and has not resolved. 

I need assistance to get these banks to rectify their error and fraud on my ex-husband 's side in cashing a check without my signature for payee not as endorsed. 

XX/XX/XXXX XXXX with XXXX called and advised that Chase needs to resolve the issue. No area to amend original complaint, submitting updated complaint for Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On the XXXX the of XXXX I checked my credit report after receiving an alert that a new collection accounts had been added. The account has been removed several times and this company keeps placing this on my credit. The debt is not owed and negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Whenever I called they wouldnt issue a replacement card when I saw charges that werent mines they credit some but not all. And eventually they made it where some how they couldnt verify me and told me that I have to call them with my work phone and after months I stopped trying but still made on time payments. Not they told me I havent made a payment with them well Im not able to access my account and Im not able to pay what I cant see even once I paid for it theres no available credit that I can use its Messed up

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 07-03-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Bank failed to honor new account promotion code  XXXX . Bank owes me {$220.00}.

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 07/27/2017 about Mortgage (Conventional home mortgage) with Fidelity National Financial, Inc (TX).
Issue: Closing on a mortgage

Complaint: I have money form my property that was sent to the state of Illinois as unclaimed and Chicago Title sent the money to the state and placed mistakenly placed another company on the check. I have tried for two months to get this resolved and Chicago Title will not sign the documents releasing the funds with out me having a form notarized which does not require a Notary, therefore no notary will sign the form.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX of XXXX I cancelled phone service with XXXX after 10 years as they were very rude to my wife and I and very unresponsive to numerous issues over that last 12 month period of service. I had moved my primary phone to XXXX in XXXX of XXXX due to service issues, and left XXXX lines with XXXX hoping they would improve there service. We were on month to month service plan and there was not a fee for canceling or moving service to another carrier. We paid our final XXXX bill for service in XXXX of XXXX when it came in. 

Then XXXX charged a cancellation fee of {$350.00} but never sent a bill to me. I did not owe a cancellation fee since we were on month to month service agreement. I did not find out about this until XXXX XXXX, XXXX when I ran an Experian credit report. XXXX had turned the bill over to XXXX XXXX XXXX in XXXX of XXXX and they never sent me bill. I never received a bill regarding this from XXXX, and did not receive anything from XXXX XXXX XXXX until I called them and paid them in full on XXXX XXXX, XXXX after tracking down a phone number and verifying what it was about. XXXX sent me confirmation of payment in full on XXXX. I paid it to simply get it off my record. I did not owe it in the first place. XXXX Instead of trying to provide adequate service to a long term customer, came up with a cancellation fee that did not apply in my case. And damaged my credit thru XXXX of XXXX with a collection account from XXXX XXXX XXXX. 
XXXX has removed this from my file. I would like XXXX and Experian to remove XXXX XXXX XXXX from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Problem with the payoff process at the end of the loan

Complaint: I received a loan  with One Main Financial in   XXXX . In  XXXX  I became very ill and was unable to pay on time. In  XXXX  of  XXXX  I spoke with  XXXX   XXXX  from  XXXX   XXXX   XXXX   XXXX . He and I made a settlement agreement for {$4100.00} to be paid on the last day of the month for 12 months via automatic withdrawal. The final payment, I requested, to be made on  XXXX   XXXX ,  XXXX . All payments were made on time, so I thought. On  XXXX   XXXX , at  XXXX  am I received a call from  OneMain  regarding my account. I immediately looked at my account records and noticed my  XXXX   XXXX  payment was not taken out. I contacted  XXXX   XXXX , who I originally worked with. He told me, the day before my payment was to pos t, OneMain too k my account back. He did not know why and I was to cont act OneMain a nd  XXXX . I spoke with  XXXX   XXXX  on  XXXX  and was to fax the settlement agreement to her. I did this and the payment was taken out on  XXXX .     I pulled a copy of my credit report yesterday. On my report,  OneMain is r eporting twice, once for the original loan and another time for the last payment. It is also reporting the last payment late, however they were the ones who cancelled the last payment. This is not right. In addition to this, they were supposed to send me documentation that this was paid in full 10 days after the final payment was made. I still have not received this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Back in 2014, I was harassed, received, and lied to by Navient. I was told repeatedly that I would not receive any kind of impact on my credit. I followed all of their instruction and made the payment amounts they told me to make and they ended up reporting 4 months of being deliquent siting it was not for the full amount. Because I have XXXX loans, they are reporting late payments XXXX x 4 no this. This has RUINED my credit. I have asked they they pull up the recordings of phone calls and they claim they can not find them or that the phone call never occurred. When I told them I would record my calls for.my own proof, they said they ca n't speak to me. I have been fighting this for 3 years. I just was on the phone with them for 2 hours. I am in tears. They have lied in their notes to make it look as if I was late. In 2014, I was threatened and told I was a lowlife that should have thought twice about borrowing money and that they will get it from me no matter what even if they had to take my assets to pay it off. That recording could never be found. If you look at my history with them, I have never missed a payment up until those 4 months in question. I had reached out to them as I was having financially difficulty at the time and repeatedly told them, I would work with them and they assured me that they would n't do anything to hard my credit. I am so glad they they are being investigated. I am a good person and minus the 36 missed pmts they are reporting, I would have near perfect credit. I recently requested that they be removed back in XXXX via email. 5 days later, I had to request again because I received no response. I emailed them again on XXXX XXXX for an update and someone FINALLY just called. Legally, they have 30 days to respond or they have to reverse it I thought? Well, they claim to have sent a letter that I never received. But after my 3rd attempt and 2 months later is the first time I actually got a phone call and an email. I am literally in tears for what they have done. I have lived with this for 3 years. Their lies, deception, harassment and unwillingness to help and or work with me is the worst feeling in the world. I even tried to negotiate to knock it down to half of the missed pmts just for ANYTHING and they wo n't. I literally feel helpless and I do n't know what I can do aside from having to live with it. To make matters worse, I have tried to get someone else to consolidate this debt and get myself away from then, and guess what? I ca n't. Because I have these 36 deliquent pmts and the impact it has done to my.credit score, it has removed that as an option for me. It 's almost as if it was done on purpose as a way to keep the debt under them and not give me any option to move it elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (I do not know) with Peter Roberts & Associates, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never went to see anyone of that name in 2013 or ever. I have insurance and if I went to this person or place I 'd know. I do not owe these people anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: I have been charged excessive overdraft fees by BANK OF AMERICA

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 01-08-2018 about Mortgage (Other type of mortgage) with ARVEST BANK GROUP, INC. (CT).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXXWe were lured into a negative amortization loan, as we are not mortgage experts. 5 years later, in XX/XX/XXXX when our mortgage increased by XXXX per month ( XXXX to XXXX ) we tried to sell our home. We were not successful because this was when the housing market crashed. Then we approached our mortgage company for a loan modification. They denied us. After making 1 payment, We were unable to continue to pay XXXX a month so we stopped paying our mortgage. Through all the court dates, in XX/XX/XXXX our mortgage company offered us a payment plan of XXXX per month. We were able to make that payment for 6 months at which point, our mortgage company increased the mortgage to XXXX. At that point we could no longer continue that payment. We have met with mediators and lawyers and continue to try and get a modification for loan. I have been a teacher for 32 years in a priority school district and my husband is XXXX. We have XXXX children ages XXXX-XXXX. We have been asking XXXX XXXX XXXX for help us find a reasonable payment to stay in our home. We built this home with money that we saved for many years. We are not trying to avoid paying our debt, we just need help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear sir/maam, I paid my Navy Federal Credit Union credit card account ending in XXXX in full by settlement that Navy Federal Credit Union offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that Navy Federal Credit Union Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that Navy Federal Credit Union, XXXX, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against Navy Federal Credit Union. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Billing disputes

Complaint: Paid my bill on time with a cashiers check and was told the payment was " returned '' a week after it was " returned ''. After numerous attempts to navigate the XXXX a phone maze to talk to someone at American Express they were of no help. Tried calling four times and was knocked off the line each time for a total time on hold of 2 hours. HOW AM I SUPPOSED TO PAY MY BILL IF NO ONE WILL TALK TO ME?

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a mortgage modification from my mortgage servicer, Wells Fargo Bank is refusing to modify my mortgage. My Father recently passed and he was XXXX for the past year and I had to assist with his care and medications until his death. My loan currently does not include my taxes and insurance in escrow and I also have a second mortgage on my property as well. I do not want to lose my home. I would appreciate your assistance in this matter. I have also submitted financials with the mortgage modification request. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I HAVE XXXX ACCOUNTS FROM THE XXXX XXXX XXXX IN MY CREDIT FILE FOR MORE THAN 1O YEARS THIS IS ILEGAL. I TRY TO MAKE A ONLINE DISMPUTE WITH EXPERIAN WITH NO RESULTS THIS IS MY INFO Experian credit report prepared for XXXX XXXX XXXX XXXX Your report number is XXXX Report date : XX/XX/2016 PLEASE HELP THSI RUIN MY LIVE THSI ACCOUNTS ARE PAID WITH A REFINANCE

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 08-03-2016 about Debt collection (Auto) with Account Managers, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling too frequently, being rude and obscene. Someone even contacted a family member of mine and was threatening. Poor excuse for people.

Company response to consumer: Closed with explanation