milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CapitalOne LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short sale was started on XXXX/XXXX/16 with CapitalOne. 

We are going into the third month of this short sale. Every single time we call we get a different story on the status or why they ca n't move forward, or some other infantile excuse from the short sale department. This time, they claim they have no authorization on file for us. It is obvious they are defrauding their investors and committing servicing fraud by purposely delaying a decision on the file in order to collect the 'double ' servicing fees they automatically receive for servicing defaulted loans. 

Today, CapitalOne told us they can not speak to us as there is no authorization on file. ... ... ... What happened to it? Did it go to the Land of the Lost Dryer Socks? 

Since CapitalOne has proven so incompetent as to be completely unable to do a simple task such as not delete documents from their files, how can anyone condone their continued existance in the real estate and financial business? 

Or -- -- is this retaliation for the last CFPB complaint we filed against them? ( I attached that here as well )

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account XXXX has been paid. it should no longer appear as active.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: ExperianDate XX/XX/XXXX, 2017Report # XXXXRight Address on report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX                                        XXXX PA XXXXWrong: XXXX XXXX XXXX XXXX             XXXX PA XXXXThis is not the right address and needs to be removed I have provided the one I live at and is right. There should not be this many address showing wrong or not right.

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 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This complaint is being filed as TransUnion continues to list an error in my TransUnion credit report. This is my 3rd time disputing this account with TransUnion. However, despite what court documents that I send them, TransUnion will not correct my credit report. Here is identifying information about me : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Credit Report Number : XXXX Errorenous Account on Credit Report : XXXX ( Account # XXXX ) Transunion is listing XXXX ( Account # XXXX ) as an account that was " included in Chapter XXXX bankruptcy ''. I have never had proceedings for a Chapter XXXX bankruptcy. The XXXX account was sold to XXXX and, as you can see from the attached forms from the Trustee regarding my Chapter XXXX bankruptcy, that account is currently being paid in my Chapter XXXX bankruptcy. It has been paid on since XX/XX/XXXX ( when I filed Chapter XXXX bankruptcy ). Citing the Fair Credit Reporting Act, I am asking that Transunion removes this erroneous information from my TransUnion Credit Report.

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 02-02-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX I logged into my Bank of America credit card and saw a banner stating I was targeted for a {$300.00} bonus if I opened up a checking account with BoA and established {$4000.00} of qualifying direct deposit. I applied for this offer and my bank account was opened a couple days later. On XX/XX/2017 I transferred an opening deposit of {$25.00} to the BoA account. One XX/XX/2017 I saw a charge stating " ACCOUNT CLOSING TRANSACTION XXXX '' ( See attached document ) that wiped out my account. When I called to inquire about this charge I was told that my account was being closed as a " business decision '' and no actual reason could be stated. I was told I 'd receive my {$25.00} opening deposit back in the mail in a couple of days. Although the contract states either party can close the account for any reason, it is not justified for Bank Of America to have me go through the trouble of opening the account because of the bonus attached, and then shut it down for what appears to be no reason. To bait customers with the bonus, have them go through the effort of opening the account, and then shutting them down for no reason is not good business practice, and in some cases against the law. I would hope this situation can be remedied by BoA to make both parties happy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Hello- I have a loan with GMXXXX financial Acct # XXXX. I was a victim of fraud on XXXX/XXXX/XXXX and lost the balance of my savings and checking accounts at that time due to fraudulent activities. I files a police report with the county I lived in. This cost me more than XXXX in lost funds. The police department has been diligently working to help me recover funds from the significant theft. This also caused me to fall behind on bills I currently have. I have worked with all my creditors and my auto loan was affected. However, since then I have been current since XXXX on my loan. I have been having difficulty with them for awhile, Each time I speak with them a new amount is owed to them which was different than they last told me. In XXXX and XXXX I sent 2 payments on my XXXX XXXX XXXX which are now unrecorded. I contacted XXXX and let them know. On XXXX XXXX I logged into my account and saw that XXXX was owed and was n't reflecting a XXXX payment I made. This would have put my loan in advance. The very next day I was told my account was in arrears XXXX plus an additional XXXX due to a returned check. I had started to make a payment on my checking account however, reversed that payment and then used my XXXX which went through. XXXX proceeded to electronically complete the checking account transaction in addition to this. THis checking account transaction did not go through. XXXX has not recorded a XXXX payment and a XXXX payment. I then informed them, they did no research or ask questions. I informed them on or Around XXXX XXXX of the lost payments. They asked for evidence. I called my XXXX company and requested they address which took till XXXX XXXX to retrieve. On XXXX XXXX I made attempts to log into my XXXX account online and had no access. SO, the next day XXXX emailed the information to XXXX and sent a XXXX XXXXm for XXXX XXXX. The XXXX XXXX # is XXXX to confirm that sent payment. 2 hours later, the vehicle was repossessed. I told the gentleman I could provide evidence that it was paid when he arrived. He proceeded to say no, he forced repossession in front of my child. My employer has also stated they would refinance my vehicle as soon as it is returned to my possession for me so there are no further issues. However, they will not refinance it for me until it is returned. I am seeking out immediate assistance as I have a XXXX child at home and need the vehicle returned to transport her to medical appointments. This has become a serious matter. I also reported the incident to the PA Banking department in hopes of assistance. I am attaching the documentation for the 2 missed payments. I have also requested GM financial to send me paper statements instead of paperless as they do not always come through. I never get an account update and according to my records I have been current since XXXX and was paid in current at the time of repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I closed an account and the balance still showing on my credit for an amount of {$2300.00}. I would like this mistake to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted an investigation dispute with Equifax on XXXX/XXXX/XXXX and as of today XXXX XXXX, XXXX the dispute is listed as pending. They have date of completion listed for XXXX/XXXX/XXXX. They have passed the 30 investigation limit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Simon’s Agency, Inc (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never received any notice of default from collection agency Simon 's Agency. 
I have discovered the collection activity while reviewing my credit report in late XX/XX/XXXX, and I have sent a notice to Simon 's Agency ( a debt collector who does n't own but is assigned to collect the debt on behalf of XXXX XXXX XXXX ) on XX/XX/XXXX. A subsequent follow up complaint was sent to XXXX via XXXX. XXXX is the current account owner and allegedly the original creditor. I have advised both them of dispute of the information submitted to Credit Bureaus. 
A notice sent to Simon 's Agency specifically stated that " this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. '' Neither Simon 's Agency nor XXXX provided any viable evidence, copy of the signed contract or even copy of the statement to substantiate the claims made. 
Instead, both companies refer to internal printout of alleged payments made in XX/XX/XXXX-XX/XX/XXXX and admit that they have no other evidence to back up their claims. 
However, despite the lack of evidence to substantiate the claims both companies insist that the debt will be reported to credit bureaus as validated and refuse to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Payday loan () with ZARVAD III S.A. (NM).
Issue: Can't stop charges to bank account

Complaint: I took out a total amount of {$700.00} from this payday lender. To date I have paid them back {$990.00} in interest only. 
XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX On XXXX XXXX, 2016, I placed this account in the hands of XXXX XXXX XXXX and let My Pay Day Loan know that they would be contacted by XXXX XXXX to make arrangements with them to set up a payment plan to take care of the outstanding balance. I provided them with all the information they needed for this process. 

They responded stating they do not work with 3rd parties that that I would need to pay them directly. they continued to charge my bank account which was already overdrawn and they have been denied on XXXX pay dates causing me to incur another {$100.00} in fees on top of what I have to pay the bank back. 

The bank tried on two ocassions to place a stop payment in place but this payday company uses different methods and company id 's to obtain their payments so it has been to no avail. I told them again that they would need to contact XXXX XXXX XXXX and work with them. 

Again they responded and stated that they would not work with them. I gave their information to XXXX XXXX at XXXX and asked that he call XXXX and see if he could get them to set up arrangements. This is in process. 

I ca n't pay my bank back if they continue to attempt these payments. 

In addition, they call me consistently at work, leave no message, and on my personal cell phone, leaving no message if I do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo invited us to take advantage of the Home Affordable Refinance Program in XXXX 2015. We applied to refinance at a lower rate. My credit score is XXXX and income more than qualify for a refinance with no additional money requested. I 've been with WF since they bought Wachovia and do all my banking with them. We did not ask for additional money, just a lower rate on our current small loan. During the process, WF called my government client so many times that the client complained. We gave all the documents requested. In the last stage, they came back and asked for a XXXX for rental property because they wanted to know why we had a loss. What does that have to do with a lower rate? We did not submit it. Much later we got a survey request from WF asking us to be honest and tell them why we did not proceed with the application. I wrote the same to them and now more than a month later - Nothing from WF. What is the point of asking if nothing is being done or even said?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern ... 
My name is XXXX I 'm the XXXX of my mother 's estate XXXX she past on XX/XX/2016. Before she past,, sHe was telling me about the house, she had a year left on it ... after she pass I paid XXXX on the mortgage to CitiMortgage ~ Citibank sent me a summary of previous balance {$4300.00} I call them back trying to see if they lower the payment cause I 'm XXXX I 'm on a fixed income XXXX $ a month,, they begin to tell me we ca n't talk to you because you not on the account, ,I hired a lawyer to make me the XXXX of the account when I got that finished l call back and they were telling me my mother owes {$28000.00} house they sent me a letter XX/XX/XXXX about affordable modification program " XXXX '' I call when I got the letter trying to get some understanding and I spoke with XXXX he was very difficult I said I 'll call you back I called the next day which was Wednesday of this week they told me somebody or call you Friday morning XXXX call me this morning and he was once again difficult I could n't get no understanding about modifying my loan I asked him could you please switch me to another worker or his supervisor he was trying to get me in a argument with him so we not no understanding I would n't do it so he hung up on me When she first got the house we came over to look at it an congratulate her,, she was explaining to me that she had XXXX years on the house they wanted XXXX in XX/XX/XXXX at XXXX a month next year will be 20 years XXXX times XXXX XXXX. And some change now they are saying the payment is XXXX month an she got the house in XX/XX/XXXX I have the deed it says XX/XX/XXXX my mother she did n't handle business lik that ... dealing with those guys have been a headache XXXX ... they 're trying to take advantage of me and the situation I would appreciate some help or advice to get to the bottom of this..

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 05/31/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (OH).
Issue: Struggling to pay mortgage

Complaint: I filed a complete loan modification application on XX/XX/XXXX. Following that, the bank filed a Praecipe for sale on XX/XX/XXXX. At around the same time, SPS informed me that I needed additional 'Required Information ' in order to review my account for a loan modification. Around XX/XX/XXXX, I learned that a foreclosure sale had been set forXX/XX/XXXX. I filed with SPS all of the " Required Information ' on  XX/XX/XXXX, which was 39 days prior to the sale date of XX/XX/XXXX. As a result of having a complete application, and the updated 'Required Information ', SPS should have taken steps to stop the sale pursuant to federal law. However, what has been happening instead is almost everyday since XX/XX/XXXX, SPS has come up with a new piece of 'Required Information ' that they then tell me will take 4-5 days to evaluate after I submit that newly-required information. If there was new information required, it could have and SHOULD have been given to me all at once so that the whole process could have been completed within a week. And by 'whole process ', I mean the process of establishing what, if anything, was still missing. Instead, it 's been nearly three weeks since I submitted a complete application, and SPS still ca n't tell me if they have everything. At the same time, they 've refused to stop the sale. This appears to be a deliberate attempt to inflict emotional distress, and to that extent, its clearly working. I 'm confident that when I call back later this week that they 'll find something else new, and another 4-5 days will be added to the ongoing agony of having the sale date hung over my head like a sledgehammer. It 's truly unconscionable. In addition, I have repeatedly asked SPS to 'Cease and Desist ' any and all collection activities on this account since they have failed to properly Validate the Debt per two letters I sent them via certified mail. Instead, they simply respond that they we '' Cease and Desist COMMUNICATION with me, but they are still moving forward with collection ( IE foreclosure sale ) of a non-validated debt, in clear violation of federal law.

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 06/30/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The following federal student loan or tech grant was discharge XXXX/XXXX/11 any collection regarding this matter is not valet or true especially after this date XXXX/XXXX/11. I have attach letter from the Dept. of Education validating this information. Please remove any collection regarding this allegation of the student loan. If the student loan was paid and dismiss in 2011, any allegation of payment history after this date is a lied and Unreal. The entire student loan was paid in 2011. 

Forbearance Financial hardship, Illness was applied during the time XXXX was processing my application with forbearance, I was able to stop making payments or reduce my monthly payment for up to 12 months. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I was told by a Wells Fargo mortgage rep that I was pre-approved for a mortgage to purchase a house in XXXX, NY. I put down {$10000.00} for an earnest money deposit. Had an appraisal done and an inspection. Then I was told to be finally approved for the amount I was seeking I had to pay off my existing mortgage on my condo in XXXX, NY. My only income is XXXX social security and a XXXX pension from the USPS. I wanted the house and decided to listen to my mortgage rep and pay off the existing mortgage so I could move to XXXX where the cost of living is cheaper. My savings was already allotted to my down payment and closing costs, so I cashed in an IRA incurring a XXXX tax obligation which I figured I would pay off with the sale of my NY condo. After doing so Wells Fargo turned me down leaving me {$25000.00} in the hole, {$20000.00} for taxes plus half of my deposit and the house itself due to Wells Fargo 's incompetence. They already knew my income they should never have told me to pay off my exisiting mortgage incurring all this debt and then turned me down anyway. I would like Wells Fargo to compensate me for tax obligation and the loss of my deposit. I was a Wells Fargo customer for 25 years and when I needed them they XXXX me. Given all the negative publicity with Wells Fargo recently I feel I should be compensated. I closed my accounts and sold my Wells Fargo stock. I want nothing to do with them now if this is how they treat a customer of my faithfulness for a quarter of a century. Please do what you can. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 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 07-12-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Equifax consistently has false and outdated information and their online dispute resolution kicks you off automatically if your computer refreshes the page. It then locks you out of your account unless you fax them information. In this day and age, faxing is a rather significant hardship for most people, since almost no one has access to a fax machine. I believe this is to make it intentionally difficult to call them to account. Furthermore, they provide a number to get " priority access to a live customer agent '' when in fact it is simply an automated line to send you a hard copy of your report that can not be used for any other purpose. Their everything seems designed to simply make you give up. Where is the accountability?

Company response to consumer: Closed with explanation