milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Capital One 360 purchased ING Direct ( a year or so ago ), from whom I have a mortgage since XXXX XXXX. The mortgage has never had any escrow, and on XXXX XXXX, XXXX, I received a notice that an escrow amount was to be added to my payment, in the amount of {$150.00} to cover some projected shortage of {$1800.00}. There was no explanation of where this " shortage '' came from, since I have kept insurance on the property and the taxes paid throughout the mortgage term. I faxed insurance coverage information on XXXX/XXXX/XXXX and stated my concerns about the escrow addition, and I requested confirmation that my issue had been heard and was addressed. I heard NO RESPONSE from Capital One 360, until I looked at my account on XXXX/XXXX/XXXX and saw no change. I then made another call on XXXX/XXXX/XXXX and faxed additional information ( on XXXX taxes ). In a conversation with XXXX at Capital One 360 on XXXX/XXXX/XXXX, I am now told that a force-placed insurance policy was purchased for the property in XXXX for over {$2700.00}, and that when I faxed in proof of insurance back then, a credit of {$1100.00} was provided. I have that letter from ING Direct. Please know that my XXXX insurance premium for this property is around {$900.00} per year, so even this purported " credit '' of {$1100.00} exceeds a reasonable annual premium amount. And they are still looking for nearly {$XXXX} to be repaid for their force-placed insurance policy in XXXX that was XXXX times ( XXXX ) the amount of a XXXX policy. I do not believe that I should owe anything further to this lender since it is clear that there was an attempt to gouge me as borrower. After I noted my intention to file a complaint with the CFPB, my call on XXXX/XXXX/XXXX was escalated to XXXX, who indicated that their force-placed insurance policies can be priced up to XXXX a reasonable policy premium. I do n't agree that this is an acceptable way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Delinquent account

Complaint: Citi bank was charging expedited payment fees on my delinquent accounts. I paid the fees after they said it would remove any negative affects from my credit reports. I sent in the check payable to Citi through their debt collection company. I was told this would be removed from my credit reports. Citi should have this removed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Carvana Group, LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I began a loan modification with Citi Mortgage XX/XX/XXXX. I was assigned a " personal point of contact '', XXXX XXXX. He initially informed me that he would be my sole point of contact and would be touching base with me to update the process every week. This did not happen. On multiple occasions I was asked to send documents that I had previously sent. After complying with 2nd and 3rd requests, my loan fell out of underwriting and went on to XXXX ( the attorney office handling foreclosures for Citi ). After multiple attempts to question the status of my loan, I continued to receive emails requesting, again, documents that had either already been sent, or new documents. Now my loan is scheduled to be sold on XX/XX/XXXX. I have attempted to contact supervisors, etc., to no avail. This entire situation has caused XXXX, sickness, and issues with my children, of which XXXX of my children have XXXX and XXXX. This is just a nutshell, but it appears that a consent order has been entered into Federal Court to protect against this EXACT issue and issues with the incompetence of Citi Mortgage. I feel that I have complied to the T will every request of Citi Mortgage and now am receiving no answers as to what is going on with my loan. I never received an NOII letter ( Notice of Incomplete Information. I was initially told that even if the loan modification was denied, there would be an appeal process. I was NEVER told that the loan was kicked out of underwriting due to anything, much less because a document that I had already sent months ago, was the reason. Furthermore, there was ZERO correspondence, either by mail, email, or phone call, that it had moved into foreclosure. Imagine my astonishment. Again, this all has literally made me XXXX sick! I will attach all pertinent documentation.

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 05/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my loan XXXX days ago and was promised that I would have all of my paperwork in XXXX days, which was up XXXX XXXX, 2015. The only thing they sent is a Certificate of Title shat shows a Lien Release on my Manufactured Home. This is a Land Home Package. I have nothing to file at the County that shows my land is paid for. 
When I called Green Tree Servicing LLC on XXXX XXXX, 2015 the person made more promises to send my papers, and was extremely hard to understand but he finally told me I would be getting my papers soon. On XXXX XXXX, I got a letter telling me it is paid off. That is not sufficient. I was promised that I would get a Letter of Satisfaction, and my Original Note. 
Anything else is just not good enough. They have already admitted in an answer to a QWR that the mortgage was sold to investors ( which was not recorded in XXXX XXXX NM ) and last I heard was in a XXXX XXXX XXXX, with XXXX Bank as the trustee, and Green Tree Servicing LLC as the servicer. Anything else other than the original Note and Mortgage Satisfaction letter is not good enough. They sent me a photocopy of the note, so their is no legal reason for them to withhold my Note from me. So far they are giving me the runaround, and wo n't send the papers. If I want to sell my property, I can not do it without the proper paperwork. 
If they do not send my Note back, how will I know it is not still in that trust, making them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Yesterday I received a warning from XXXX that my credit had dropped. I went to check and found a company called XXXX XXXX XXXX XXXX asking me to pay a hospital bill that don't belong to me. I'm trying to communicate but I have no answer. I NEVER received any mail from this company at my address. XXXX XXXX XXXX XXXX is making false and defamatory statements about me regarding debit they are trying to collect. I think this company is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To be delivered to each Credit Reporting Agency. This is not a duplicate. 
On XX/XX/2017 I disputed an erroneous account appearing on my credit report. Refer to CFPB case # XXXX. The errant line item is # XXXX pertaining to XXXX. XXXX failed to reply after 60 days. Due to their failure to respond within the 30 day period set forth by federal regulations, this item must be immediately and permanently deleted 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 explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: Where to start, I had mixed a debit card up with an employee at my office. She needed to get starter checks on her account for personal reasons. She took my card to Chase bank located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. She went to the teller and asked for starter checks. The teller asked for her PIN number, and she put in her PIN number. This was obviously not correct as she had my card. They then proceeded to ask her for her drivers license. She gave that to them and they then withdrew roughly {$40.00} from my account and issued her starter checks with my information. She then left the bank and walked outside, that is when she caught the mistake. She then called me to let me know we had switched cards and the situation. She went back in and gave them the checks and they did the transaction on her account. I would like to know how an employee of a financial institution can ask for a drivers license to check the identity of someone and still not verify that is the account holder. The most painful thing to me is that after this big mix up, the employee who went in with my card was given my card back upon exiting the location!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXXXXXX XXXX XXXX, texas XXXX To Whom it may Concern Regaurding a car loan ( acct # XXXX ) in the several year I have had this loan due to economy and work I contacted Santander serveral times and get this loan refinaniced or to low the payments. When this avenue was not going to avail anything On XXXX XXXX, 2015, I called Santander for a volintary reposession. 
At that phone call I was informed that call could be recorded which I had no problem with, and was told that to complete the volintary reposession they would HAVE TO MAKE A RECORDING, I informed them that I too would be recording the rest of phone call, I was promply hung up on. I also sent a written message to the ONLY ADDRESS I had which the bill paying address. 
When no atempt was made to pick up car I called Santander in the beginning of XXXX SEVERAL TIMES, and because of their failure to accept voluntary reposession and that extra fees would be applied. I told operators at Santanders that I would be recording calls to prove my request. Each time I was told I could not and hung up on, I even tried several times to speack with someone about the policy that they record calls and that their policy to even get a voluntary reposession IT WAS REQUIRED THAT A RECORDING of myself but that I could not record their calls. I was refused an explaination and was denied to speack with any supervisor. 
After several attempts to clearify this matter I report this UNFAIR policy, and pracitice I tryed to report unfair business practices to " Texas XXXX of XXXX XXXX XXXX ''. I was informed that Santander accknowledged that I did try to ask for voluntary reposession and that the policy of recording was not done so that they refused to accept request, and that Santander also recived the written notice to reposess car, but that it was sent to their contracted assosicates! These accknowledgements prove that they are violating law and that they consider their policies surpercede law. These accknowledgements also prove that they feel consumers have no rights and that fair policies for them supercede FAIR BUSINESS PRACTICES. The OCCC of Texas stated that they do not have jurisduction of unfair busieness practices and that I should report claim to federal trade commission and that OCCC can not deal with Santander 's company policy. 
They have harassed me everyday and several times a day concerning making a payment and added illegal fees since XXXX XXXX, 2015. Each time they call I inform them that AS THEY DO I am going to record the call and each time they refuse to continue and they terminate the call. Since they have violated Fair practice and have refused to accept reposession after they accknowledge notice, I want this harassment to end and for punitive damages that my account be cleared and they stop reporting any issues to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Bank is telling back in XX/XX/XXXX that they did not receive my loan payment. Which they did receive. All my loan statements have shown that i am paid to date. XXXX XXXX XXXX  takes my payment out every other week and sends them a check. I have check numbers to prove this. They just this week sent me a late notice paper. Before this one i received this week i have not received one in the past. My account is paid up to date and they are telling me its not paid up to date. They have also reported me to the credit so my score dropped tremendously. I have called them they are making me wait till XX/XX/XXXX for answer on how they are going to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Bank account or service (Checking account) with DISCOVER BANK (TX).
Issue: Making/receiving payments, sending money

Complaint: I had an online savings account with Discover Bank and logged on XXXX time in XXXX, 2015 and could not access my accounts. No one could tell me what was going on with my account. I finally had to try to call the CEOS office and got someone to tell me my account was frozen. To this day I do not know what the reason was for my account being frozen and never received any letter explaining what went on with my account. When Discover Bank froze my account, they prevented my bill payments from getting paid. Thus resulted in all kind of fees and even my credit cards being cancelled because so many payment had been bounced by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The creditor has now confirmed in writing it has no application, received the account from someone else, has no billing statements or receipts to provide on this decade old account. Strangely, it 's only evidence that the 'someone ' referred to the letter is me is that they claim they detected fraud on the account seven years ago and think they spoke with me. This is what serves as " verification '' these days, i.e. a spreadsheet containing what information they are reporting with nothing whatsoever to back it up. At this point, XXXX having made these statements in writing, I think it is incumbent upon Equifax to remove the account unless and until XXXX can respond with anything at all indicating this account is mine, or the account was used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with U.S. BANCORP (ID).
Issue: Problems caused by my funds being low

Complaint: Opted out of overdraft coverage to keep from incurring unneccessary bank fee 's. Was told overdraft coverage would be cancelled within 2 days. The account was still allowed to over-draft a week later. US Bank is telling me that I can not opt-out of overdraft coverage on that account. I am now {$210.00} in the red, before extra incurred fee 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I continue to receive an annual notice for a closed bank account with a charge for safe deposit box rent. The Bank of America branch located in XXXX XXXX XXXX, FL closed my checking, savings, ATM, credit card and deposit box over 3 years ago. These transactions were done, in person, with a bank officer .... I returned all bank cards, keys and records and received a bank cashiers ' check for all money due at this closing.. I also receive robo calls from XXXX with a recorded message with a reference number. These actions are at best harrassment and most certainly a fraudulent activity. All attempts to contact B of A and speak to a representative have failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I was sold a defective luggage bag by XXXX on XX/XX/2017. A total of XXXX billing disputes were filed with American Express, the credit card I used to pay for this item, for this transaction amounting to {$140.00}. I rightfully asked for a full refund as I was sold a defective item by XXXX, the merchant. The merchant refused to take responsibility and refused to offer an exchange or refund for this item. I went in person to attempt a return/exchange for this item on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the merchant refused to cooperate and was extremely rude, with the Cashier at times yelling profanities. WIth me unable to work this out with the merchant, a billing dispute was filed. Every single time, American Express refused to assist me in this dispute and found in favor of the merchant without considering my side of the event. A full refund is DEMANDED at this time because I was sold a defective/damaged item by the merchant and the merchant refused to cooperate with an exchange or refund. In addition, this item was sold to me NOT AS A PART OF ANY PROMOTIONAL EVENT. The return policy for this item was 30 days and all of my return/exchange attempts mentioned previously were within that 30 day timeframe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with MB FINANCIAL, INC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, I went on XXXX to inquire about current interest rates on a new home purchase. I selected that I did NOT want to receive marketing solicitation and have my contact information shared. Despite this, I received an inundation of marketing phone calls and emails from lenders for the following 3 days, including on Sunday, at all hours of the day and night. I asked each of the callers to remove me from their call list and completed unsubscribe requests for all emails on the XXXX. I submitted the opt-out link directly on XXXX on the XXXX. All marketers abided by privacy with the exception of ONE : a  XXXX XXXX from XXXX XXXX XXXX, XXXX # XXXX. There is no unsubscribe link on his email, so I replied directly to him asking to UNSUBSCRIBE in no uncertain terms. I have received emails from him every single day since XXXX XXXX, now totaling 4 emails, and to each I have asked to unsubscribe, including most recently advising him if I was not removed from his marketing list that I would contact CFPB. He continues to send me these annoying emails after I have opted out and asked him directly to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: chase bank sends individuals over to my house every month with a letter stating its personal and confidential. The person who came to my home on XXXX XXXX, 2016 between the ours of XXXX and XXXX did not keep it person al and confidential. The man who walked up to me in my driveway in front of friends and family members asked if I was familiar with chase bank and I stated yes, he told me he had been to my home many times, I tried to get the letter he had for me since I was familiar with the routine, he told me to " wait, wait, hold on, '' he again stated that he had been to my home many times and I just wanted him to give me my letter to avoid further embarrassment. He took his time as I took the letter from his had and walked away and got into my vehicle and he sat in his car blocking my driveway taking pictures of my home as he sat in his car blocking my driveway, I got off my car and asked him to move out of the way. The people at my home told me he remained outside the home taking pictures after I left. This is a form of harassment and not assistance as the letter he delivers stated. I did email chase 's executive offices and asked that they stop harassing me any further and keep this man away from me. They initially tried to deny it was them who sent him but I explained he did had a clipboard with all my information on it and their name CHASE BANK on his paperwork as well as on the letter he delivered. XXXX with chase bank executive offices stated she would look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I sent a loan payoff payment that would have paid my capital one auto loan in full but capital one has not processed my payment yet. I have been charged additional interest and late fees. Additionally, due to the lien not being released from title, my new lien holder has also penalized me with fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed unauthorized inquiries on my report. Equifax,  XXXX  did not do a proper investigation or provide me with any validation

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a federal student loan with Navient. I have come into a situation in where i am on XXXX due to and injury. i expressed this had ship to Navient and asked to defer my payments and they placed me on forbearance instead.

Company response to consumer: Closed with explanation