milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2017 about Debt collection (Mortgage debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX made no effort to correct their errors and continue to submit incorrect information to the credit bureaus. New Documentation attached Consumer unsatisfied No correction to consumer credit report as o

f XX/XX/2017. Capital One deceivingly removed their once reported cha
rge off and closed status as years past, and now reports that the account is active and 120 days past due amount {$120000.00} only which is false information. Capital One is repeatedly omitting the charge off status and is attempting to conceal and eradicate that a charge off ever existed. Therefore, I am requesting that CFPB enforce XXXX XXXX XXXX to report a charge off and closed status to all credit bureaus or to remove the inaccurate account. I am completely unsatisfied with the results of Capital One response dated XX/XX/2017. Capital One erroneous reporting caused me not to receive employment at the white house.They are reporting only to collect a debt with an amount that 's outrageously wrong that was previously charged off and past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter from XXXX explaining I was a part of a breach I went online to view my credit and notice some fraudulent attempts to obtain credit. I have sent proper correspondence to Experian with no response from them this was not done by me, its consider fraud, I tried to place a police report but being that my information was breach due to the lack of security at XXXX and that the criminals did not get any of the approvals to obtain the credit there was no police report to file. I will like all the listed below inquires removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RENTAL PROPERTY XXXX XXXX XXXX XXXX RENTAL PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 10/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am on the PSLF program. Each year I file my XXXX form so Fedloan Servicing is aware of the payments I made the prior year. 

Currently, I have made 33 payments towards PSLF on my loans. This has been certified through their XXXX process. 

My XX/XX/XXXX bill reflects these credited payments however on my XX/XX/XXXX, and XX/XX/XXXX bills, the credited payments dropped on one of the loans from 33 credited payments to 30 credited payments. 

I called Fedloan Servicing about the matter and received some response that they will " look '' into it and that it may be a system glitch. However, in dealing with this company, I know that I will probably never receive anything resolving the matter and if I do, the answer will be incomplete, wrong, and/or confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: We requested and Bank of America sent us a check on XXXX/XXXX/2016 for {$4000.00} which we deposited in our checking account in another bank. Approximately a week later a BOA representative called to tell us that this check had printing errors, it will not be paid and that a new check will be issued and sent. We finally received a replacement check today XXXX/XXXX/2016. In the mean time our checking account was overdrawn and we are accruing fees for overdrafts and returned checks not paid due to insufficient funds. In multiple follow up calls, while BOA representative XXXX XXXX finally acknowledged the situation and stated that we will be reimbursed for any fees we were charged as a result of this situation, the resolution of this issue is with their legal department and refused to provide a document that the negative consequences were the result of BOA 's error. To make us whole we need to have a document that explains what happened so that we could forward it to credit bureaus and to others to whom we made payments that were refused due to unavailability of funds we relied on. Their requests of fees for returned checks will also need to be honored and paid.

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 03/27/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Application, originator, mortgage broker

Complaint: I was looking for a Mortgage in XXXX of last year. I contacted quicken loans. They pulled my credit and told me at that point that I need to sell my old home to get another mortgage. At that point I was not interested in the loan. I got calls repeatedly and I informed them I am not interested in the loan. They pulled my credit again in XXXX of 2014 without my permission. When I called Quicken loans, I was lied to and said, oh this is a soft pull and does not effect your credit. 

I contacted Quicken to get this inquiry pulled. The refuse to remove it stating that I signed a document stating that they can pull my credit whenever they want. I told them that I am no longer interested in the loan and they should not have pulled my credit without asking me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Billing disputes

Complaint: barclay card, i had a charge on it that i told them i was disputing. i sent them all kinds of documents that showed i did not sign for the charge of {$2600.00}. because this charge brought me over the credit limit, i was paying {$200.00} a MONTH on INTEREST ONLY. i did this for over a year, finally while i kept telling them i did not sign for it, they would not straighten it out. i had perfect credit before i just could not pay this amount any more and told the credit bureau to close the account and put a memo on there that there was a charge i did not approve. but my credit has gone down to XXXX because of it. this has been a nightmare and no results. honestly, i do not feel this company is going to do anything either. but i am trying

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 09/30/2015 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received XXXX phone calls on my home and cell phone number. I returned XXXX calls, verified that it was a different person with the same first and last name ( but different middle name, birth date, etc. ) On each phone call asked them to cease contacting me. Received XXXX a letter demanding payment. Called again and asked to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (KS).
Issue: Managing the loan or lease

Complaint: We went into XXXX XXXX in XXXX to talk about trading in our vehicle in XXXX. We ended up with a XXXX Nissan Sentra. I looked at the sticker price and the dealer said " do n't even look at that amount because that is n't what you are going to pay ''. ( the XXXX 's were out and they wanted to get rid of this vehicle ). We did pay the total sticker price and anything else they could add on. We spent from first thing in the morning until late afternoon listening about things not even pertaining to the sell of the car that we did n't know if we were coming or going. We were also talked into things we did not want ie ... VSC and GAP that we thought we were signing a decline for. The dealer also said that they would pay the full payoff of our trade-in and not worry about it. ( he did n't lie, it was just tacked onto the new car ). We should have looked at the contract better but by the time we left the place we were so tired of being there we just left. Later, we looked at the contract and they had added over {$4000.00} to the new car for the amount we were supposedly over/under on the trade-in and they also added the VSC and GAP that we did n't want. We went to speak with them in XXXX, XXXX and even had the owner in the office and they faxed a cancellation of the VSC and the GAP and gave us the confirmation copy showing the refund amount that would be taken from the payment of the new car. It is now XXXX, XXXX and have not seen any changes to our statements that they reimbursed this money so I faxed the copy we had again and said it was a duplicate and stated we still have not seen anything. We heard nothing. We called XXXX XXXX, XXXX and they told us that the department that takes care of the VSC and GAP did not receive any paperwork to do this. ( I have the confirmation number and the " OK '' results that it was received back in XXXX XXXX and I also faxed it a second time!! ). 
Update : The above was sent to the XXXX and XXXX Nissan of XXXX issued a check and supposedly sent it to Nissan Motor Acceptance Corporation. NMAC says they have not received a check from them even though XXXX Nissan of XXXX sent us a copy of the check saying they did and that Nissan Corporation cashed it on XXXX XXXX. Neither company will talk to each other about this missing check and when my husband and I talk to either of them they both refer us to call the other on the matter or will not return our calls. This has been ongoing with XXXX Nissan of XXXX since XXXX XXXX, XXXX. 
Again, it is our fault for not following closely to what was being done but we do know that we will NEVER deal with this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a medical bill with Transunion and I did not receive any information within 30 days. I was informed that if they did not contact me within the 30 days, then the debt should automatically be disputed. I then called Transition and they need told me that they did not send me any mail and that they then would. It has been past the initial 30 days and I feel as if they were never going to email me, until I called. The man also had me verify my identity several times, which I had no issues giving the information, and had trouble even finding my account or the initial dispute, until I provided him with the information. I feel as though I should not have to pay the bill that I had disputed because they never sent it to my insurance. I also should not have to pay more than {$500.00} out of pocket, which the bill is more than that. Overall, the initial dispute has been past the 30 day window where they should have reached back to me and should be disputed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion reporting agency is not updating my XXXX account. On XXXX XXXX 2016 i contacted XXXX XXXX XXXX department and they sent out a letter to all XXXX consumer reporting agencies instructing them to update my information. However when I contact Transunion on XXXX XXXX they said that it was not possible to update my information even though a letter had been sent from XXXX to do so. They refuse to update my account information to this day. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Pennymac that has PMI that I am trying to remove. The estimated time to completion was 15-20 business days according to their customer service. It has been 26 business days and counting. This is not acceptable to be almost double the estimate with no end in sight. Their delay is costing me money and they are in no hurry to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/2017, Equifax reported that they had been hacked and that the social security numbers, birth dates, names, and addresses of 143 million consumers were leaked. Using Equifax 's online tool, I discovered that my information may have been breached. I requested an enrollment date for their credit monitoring services ; however, since making the request, numerous online articles have reported that enrolling in the free year of credit services forces the end user into an arbitration clause which hinders the user 's right to be part of a class action lawsuit. I believe, that although Equifax is equally a victim, that they are ultimately still responsible for the breach due to failure to properly secure themselves. I will likely forego their free credit monitoring service in order to avoid being forced into an agreement that I would otherwise not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with OCWEN LOAN SERVICING LLC (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ocwen loan servicing llc reports a payment in XX/XX/2015 as 30 days late.i paid the mortgage on XXXX/XXXX/2015. ocwen did not apply the mortgage to my account. I requested a correction and ocwen denied it. ocwen increased the escrow amount in XX/XX/2015 without me receiving any notice. I sent in the amount I always sent and they did not apply my payment making it 30 days late. I ask CFPB to have ocwen to correct my credit reports to show I did make a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I currently have a Walmart Mastercard. I recently noticed a reoccurring charge on my statement every month. I am not sure when this first started as I can only go back to my XX/XX/2017 statement on the Walmart website. This monthly charge is charged as 1.6 % of my current card balance every month for card security. I did not sign up for this service nor did I authorize this service from XXXX. This is through Synchrony Financial. After searching online this seems to be a common issue. There are many other people who were also unaware of this monthly charge, and did not sign up for " card security. '' I would like for the service to be discontinued immediately, and refunded for being charged for a service I never signed up for.

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 10/17/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX husband XXXX XXXX and she has been trying to deal with all of the things that he took care of that she did not know about. She is a XXXX XXXX and has gone back to work full time. 
She has submitted at least 30 modification packages to Caliber Home Loans with a never ending list of more and more documents. Before XXXX XXXX XXXX, the loan was in good standing. 
She is now facing a foreclosure sale date on XXXX XXXX, 2017. 
Caliber Home Loans refuse to work with the homeowner. Caliber Home loans refuse to help her. She has money saved to pay on her mortgage if she need a faith payment she is ready. She is financially able to pay her mortgage each and every month. 
This home is all that she has of the life that she once knew before her husband XXXX XXXX 

Please help her.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased on home in XX/XX/XXXX that had a 1st and 2nd mortgage. In XX/XX/XXXX unfortunately we tried to do a deed in lieu of foreclosure. It was approved by the first mortgage holder XXXX XXXX XXXX and they offered Green Tree Servicing XXXX XXXX XXXX XXXX XXXX {$6000.00} to release the lien. They requested documentation and all requested bank statements, etc was sent over multiple months. Eventually XXXX cancelled the Deed in lieu because of the delay with Green Tree and ended up foreclosing on the property. I received a phone call from Green Tree months after the foreclosure saying they would like to settle the account for {$6500.00} with no need to send in any documentation. I did not have the funds to settle and I asked why they did not take the offer when XXXX made it to settle and the response was that Green Tree is slow in responding ( which should be unacceptable in these situations XXXX. I submitted a letter to Green Tree offering to settle the account for {$3000.00} which my daughter was providing to me. I sent 2 cashier 's checks ( {$2000.00} and {$1000.00} XXXX at different intervals ( back to back months XXXX. We did not hear from Green Treee after that until recently when I am being sued for the full amount. These practices should not be allowed to occur. Because I had to retire from work, I lost my house. XXXX offered to pay the settlement to Green Tree and because of the procrastination by Green Tree, I ended up having to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I graduated from XXXX in XXXX XXXX. During my time at XXXX, my parents paid for my tuition/fees/etc. I did take up a few grants, but never took out a loan. XXXX XXXX, I received notification that it was time to start repaying a loan ... Navient said I took out a loan in XXXX XXXX for {$5500.00}, with my repayment schedule ( XXXX yrs ) totaling a loan of {$6700.00} once interest was added in. Again, I NEVER needed to take out a loan, or took out a loan. I called XXXX to rectify the situation, and at first they had no record of the loan. A week later, it popped up on their radar. They said the loan was applied to tuition. My parents looked back at their payments to XXXX and did not see any decrease in their end, so they paid the full bill. Again, I did NOT take out a loan from Navient, but was still charged with one. I have since paid the loan off, as of XXXX XXXX, but if possible want the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After finishing a prior lease and starting a new lease with an apartment complex I was told that my previous lease was not paid off months after signing the new lease.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am writing in regards to the late payments on my account. In the years XXXX I was dealing with personal illness and death in my family. I had even started the process of applying to have my student loans permanently discharged. Due to illness I was unable to work, and that is why I got behind in my loan payments. Nelnet was notified of this health issue, and I started the discharge of loan application with Nelnet, so Nelnet was property notified of my health issues and therefore should not have any negative postings on my credit. Today my health has recovered substantially, and I do work, and I am a graduate student. Upon graduation I will gladly work with Nelnet to repay my student loans ( currently they are both in deferment and in the low income repayment plan ). I wish to say my ability to repay Nelnet would be substantially increased if Nelnet removes the late payments from my credit report. While it is and always was my responsibility to repay my loans and work with Nelnet on that matter, I should not be permanently penalized for this matter because doing so impedes my ability to earn money and pay Nelnet back. Please remove the late payments from all three major credit bureaus. I have been responsible for Nelnet payments or keeping my status up to date for about two years now. After disputing this on XXXX, XXXX had deleted all but one of the negative accounts. But then Nelnet decided to repost the negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Consumer Loan (Installment loan) with QUICKEN LOANS, INC. (MS).
Issue: Shopping for a loan or lease

Complaint: XX/XX/2015 I had applied for a loan with several lenders, one being Quicken Loans for money to build a house using land that I currently own and live on. In the course of the conversation I was treated fairly and basically told I had the loan but towards the end of the conversation I mentioned we own some XXXX not really thinking it had any reference. I was then told that the loan is denied as they ( quicken ) do not make loans to XXXX? I explained that we do not make a living from XXXX, we just have more or less a hobby..some XXXX and XXXX. 
Is this a legitimate reason for determination : I later received a written letter stating reason was unacceptable property type. My credit is excellent by the way.

Company response to consumer: Closed with explanation