milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I have submitted a complaint before against Capitol One Home mortgage because I was n't receiving my statements for my loan. They did respond back and " magically '' fixed the glitch in there system, that they never could explain why it happened. Since I have had such a horrible time with capitol one I paid my home loan off on XXXX 2016. I had to make several calls to even get a letter confirming the pay off. It is now XXXX XXXX 2016 and they still have not sent the paperwork to the courthouse in XXXX XXXX arkansas so the deed/lien can be released. When I try to call and find out why it is taking so long the only reply I get is that by law they have 60 days but no one can tell me why it is taking so long or even what step the process is in. Since I have had such a horrible experience with capitol one and this loan ( which was never late despite no statements being mailed and paid off early ) I worry that the whole process will not be complete for whatever reason capitol one can come up with. This is my home loan so I am very concerned, I would like to know what is going on with the process and when I will receive my lien release and proper documentation. I spoken with XXXX XXXX one time and when I tried calling back to see if he looked into the matter and could explain things I only get voice mail. I understand paperwork takes time but it has been 40 days and capitol one 's lien release department has not processed anything as of today per XXXX in the customer advocacy center of customer service. I would like someone to look into there process and guidelines regarding lien release. Customers should n't have to wait this long to have there paid off property released.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. These fraudulent accounts are as follows, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. Ive advised XXXX and Transunion of this. Ive disputed the validity of all of these accounts with XXXX  and Transunion as well as those listed collection agencies, several times to no avail. XXXX and Transunion, along with those collection agencies refuses to provide me with the documentation Ive demanded them to provide me with, XXXX and Transunion refuses to remove these fraudulent accounts out of my name and off my 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 06/30/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the erroneous account ( XXXX XXXX XXXX ) in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This information was removed back in XXXX 2015 and then now, 3 months later it is reappearing!

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XX/XX/XXXX - I was notified that my loan was transferred from XXXX XXXX resolutions to Select Portfolio Servicing ( XXXX ), Inc. I contacted XXXX  mid XXXX to inquire how I go about making payments to them. They stated I can call every month and phone in a payment. 
XX/XX/XXXX I called XXXX and made a payment in the amount of {$130.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - my credit report reported that XXXX had charged off my account and it reflected that I was past due {$270.00} on my account. This was not a true reflection since I had made three payments to them. 
XX/XX/XXXX - I immediately called XXXX and filed a dispute with their advocacy dept. I informed them that they had not reported to the 3 credit agencies my payments. They stated it would take 30 days to resolve. I am a patient person, but if they made the error from the beginning, I feel XXXX can see my payment history and update accordingly. 
XX/XX/XXXX - I took the proactive approach and filed 3 disputes, each with the 3 credit agencies. XXXX XXXX # XXXX, XXXX dispute # XXXX and XXXX XXXX # XXXX. I wrote letters to each credit agencies, I faxed all my supporting documentation, I also mail certified my disputes. I felt it was best to reach them all ways possible. 
XX/XX/XXXX - XXXX sent me a letter informing me it will take 30 days to review, research and get back to me. Time is of the essence here since I am working on other financial matters that require my credit score to be in tact. 
XX/XX/XXXX - I called XXXX to see if they can expedite this for me. I spoke to XXXX XXXX who transferred me to XXXX. Their response was that I should hear back no later than XX/XX/XXXX. 
XX/XX/XXXX - I filed a compliant with the Dept. Of Financial Institutions. I feel this should have never happened. I paid, they failed to report. Now here I am, trying hard, from all angles to get this resolved in a more timely fashion. 
I have all supporting documentation to support these statements. I have letters i wrote, copies of my emails, copies of credit report, copies of my banking statements reflecting that XXXX received money and they did not report that I did so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies are  Amazon, Gap, QVC, Sams club and TJ Maxx. This i s against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a viol ation of US Bankruptcy code.  I was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported

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 12/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Adjustable rate mortgage payment increased from {$3600.00} to {$9000.00}. 

Have never missed a payment or been late in 13 years, but ca n't refinance because we do n't have 2-years employment history, so a loan modification is the only option. 

We 've been in the Ocwen " Request for Mortgage Assistance '' process since XX/XX/XXXX, and provided all the requested documentation by XX/XX/XXXX. It takes Ocwen 2-3 weeks to review documents, and on three separate occasions they have requested the same document that is already in their possession. 

It 's impossible to reach a representative who can or will review the paperwork and sign off, and we have n't even made it to the underwriting/remodification stage. 

It appears that Ocwen 's strategy is to appear like they are trying to process loan modifications, while relying on purposely inefficient processes to maintain the status quo. I know for a fact it would n't take this long if they were processing a new loan application. In the meantime, our mortgage payment increased by 2.5x and  {$5400.00}. We ca n't survive much longer.

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 06/22/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Rewards

Complaint: After I applied and was approved for the Chase XXXX XXXX credit card with a XXXX reward mile sign up bonus, Chase or XXXX sent me an offer with a larger bonus and a larger corresponding minimum spending requirement. Chase first send me a letter saying they had revoked the original bonus offer. I spoke with a Chase representative via Secure Messaging regarding the letter and they informed me that it was an error. I then asked about the availability of the larger sign up bonus if I were to meet the larger spending requirement. The representative informed me that I would receive the larger bonus and to send them a Secure Message when I reached the minimum spending requirement so they could match the larger bonus. Therefore in order to reach the minimum spending required for the bonus, I used the credit card for {$1000.00} worth of additional charges that would have earned me more rewards if spent on another card. When I informed them that I had reached the spending requirement that they had outlined, they then told me they misspoke and refused to match the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a CitiGold bank account with Citibank in XXXX XXXX under a promotion for XXXX XXXX XXXX miles. The miles were to be credited to my account as long as I met the requirements of the promotion. The requirements were {$1000.00} in debit transactions within 60 days as well as bill pay for consecutive months. I met the requirements at the beginning of XXXX, and received confirmation that I met the requirements on XXXX/XXXX/XXXX via Citi 's secure message system from XXXX XXXX. 

At this point, they explained that I needed to wait 90 days for the miles to be credited to my account. I waited the 90 days and secure messaged them again and received a response on XXXX/XXXX/XXXX from XXXX XXXX. She explained that they needed to open another research case to determine whether or not I was actually eligible for the promotion. Keep in mind, at this point, they have collected {$90.00} in monthly fees as the account needs to be open and in good standing prior to receiving the miles. 

On XXXX/XXXX/XXXX I received a message saying that I had met the promotion but they needed my XXXX XXXX account number in order to credit the account. I provided the account number several days later, and waited to see if the miles would be credited. After waiting two weeks, the miles were still not in my account. At this point, I called Citibank to see what the hold was. The customer service representative informed me that the miles usually credit and post to XXXX XXXX after my Citibank statement date closes. I took their word for it and waited until the beginning of XXXX to see if the miles would post. Still no miles. And I was charged another $ 30 monthly fee, making my total monthly fees paid to Citibank to be {$120.00}. 

I secure messaged Citibank again to see why the miles still had not credited to my account. On XXXX/XXXX/XXXX I received a response from XXXX XXXX stating that I was not actually targeted for the promotion so I am in violation of the terms of the agreement. This is in direct contrast to all of the previous emails and messages I have received, and Citibank has collected {$120.00} in fees from me. 

Fortunately, on XXXX/XXXX/XXXX I received a message from XXXX XXXX via secure message that said they would be honoring the terms of the original promotion and I would be receiving the XXXX XXXX miles within 60 days. They said they could not waive the 60 day waiting period. 

This is in direct contrast to the terms of the original promotion which stated that the miles would be credited to my account no greater than 90 days from when the promotion was met. By including this additional 60 day window, Citibank is collecting even more account fees from me. I am incredibly frustrated and insulted by the lack of customer service at Citibank.

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 01-05-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently applied for a mortgage thinking that my credit was OK to proceed, but a disputed issue with Bank XXXX XXXX popped up after I thought it was resolved back in XXXX. I was divorced in XXXX. My X previously forged my signature on XXXX docs & I got that cleared up, but he also forged my signature ( I guess ) & gave me a credit card which I thought was a joint acct with XXXX XXXX XXXX. That was in XXXX. I never had anything to do with him before that & Bank XXXX says I opened that acct in XXXX. That 's when he was divorced from his XXXX wife. Seems that I was mistaken for her previously. My issue is with a credit card I never opened/signed for or even wanted. The acct # they are claiming was mine is not the card # I have on record that my X gave me. He is a real crook, thank XXXX we are n't together anymore. He opened & closed several accts & was xfering $ back & forth. The divorce settlement is not closed because he still owes me over XXXX to this day. I might never see that money. He also filed for bankruptcy but the claim was denied. He wanted to get out of paying me. Anyway, XXXX says the said acct was charged off & worth over XXXX. The XXXX mtg lender denied me based solely on that information that I thought was closed in XXXX. I learned about it at XXXX back when I was trying to establish my own credit after the divorce. I was in touch with all XXXX credit agencies & they posted my letters of dispute & fraud. XXXX never said another word. I thought I proved my case so I lived my life till now. My question is how can they take it off my credit report & then put it back on? If it was charged off how can any lender use that against me? What do I have to do to restore my credit? Is this legal, what is happening to me, or do I have to get a Lawyer? I really want to be established here & have found the perfect home for me. I am very depressed that this is happening to me based solely on what my X has done to me. He even stole my car at XXXX pt, but the Judge made him return it or go to jail. My X is such a jerk I want him punished for what he 's done to me. What should I do? Please be so kind to give me some assistance. I 'm at the end of my rope now. Please do not delay to write back soon, I am desperate. Thank you very much for listening ( reading ). I have no way to attach any documents so if you need anything I have tons of paperwork, whatever you need just let me know & I will get it to you somehow. Thanks again : )

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: Toyota Financial Service as aggressive and sneaky collection practices. The dial your phone utilizing numbers with area codes from XXXX, XXXX ( XXXX ) to various California numbers. Today, XXXX/XXXX/15, I was working from home and answered my phone since I though it was a relative calling from the XXXX area code only to find out that it was Toyota calling about my late monthly payment due. I informed the TFS representative that I was in the middle of a work call and would need to call back later to set up payment for later this week. The TFS rep stated she could not hang up since I knowingly answered my phone during my work time. I asked why and she was silent. Then I said : is this so you can document that I hung up on the call without setting up a payment today? The TFS rep said verbatim : " Exactly ''. I then demanded to speak with to her supervisor since this was rude and unaccommodating behavior since I clearly stated my intent to call back at a later time tonight or tomorrow to set up a payment. The supervisor, XXXX/ID # XXXX, reiterated their collection tactic and was continually aggressive about setting up a quick payment now. I begrudgingly set up the payment with the TFS supervisor that I planned to pay on XXXX/XXXX/15. While the were someone polite their collection practice was obnoxious and does n't respect boundaries. If I state that I will call back or they can call back at a better time, that option should be recognized and honored.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This so called debt collector ( " Medical Data Systems '' ) keeps calling but will not give me any information on what debt it is? They only want to collect information from me which I refuse to give them. They call weekly. We told them we do not owe any debts and to quit calling us.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equfax ' s employment verification service at  XXXX  claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This evening, XXXX/XXXX/XXXX I called, yet again, the Navient call center. After being assured by a phone call in XXXX and by response to my complaint to the CFPB just a couple weeks ago that the fraudulent forebearance that Navient put my account in would be reversed and my accounts would be set back to the proper repayment plan ; it became apparent today that this did not occur. For more times than I can count Navient has yet again lied about consumer 's repayments. 

My payment is supposed to be {$100.00} set up via autopay on the XXXX of every month with the first payment at this amount being on XXXX XXXX, XXXX. However, only {$37.00} was autodrafted yesterday with 2 of my account suddenly showing that they do not enter repayment until XXXX/XXXX/XXXX. This is FRAUDULENT information again, as they were to enter repayment on XXXX/XXXX/XXXX. Navient is attempting to steal money from me by continuing to gain interest they do not deserve. 

When I called tonight I was LIED to by the first customer service rep. I explained the issue that was occurring and all she would say is autopay is set up for XXXX XXXX ... she would n't even read the account. USELESS. Then she claimed there was no one there to help me when I requested a manager saying I would have to wait for a call back in 24 to 48 hours. After threatening to yet again report Navient to the CFPB, suddenly she found a supervisor. Obviously these agents are told to try and put consumers off with lies so Navient can keep collecting interest they have not earned and to keep consumers in the dark on their repayment plans. 

The supervisor refused to help me because apparently by reporting them to the CFPB I now am not able to be serviced by the contact center, only an " Advocate '' is allowed to speak to me. She can not give me a name or a phone number for these supposed " Advocates ''. 

So now Navient is retaliating against consumers that report them for their fraudulent operations and refusing to provide any customer service, repayment assistance etc. 

WHAT WILL IT TAKE FOR YOU TO SHUT THEM DOWN??!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Repeatedly, I have asked for the company XXXX to furnish me with copies of receipts, invoices, un-authorized signature purchases, and they refuse to do the diligent searches, efforts or comply with my requests. Instead, they have persisted in showing the balance as mine as personal, and owing, which I have adamantly DENIED. It was reported, and they DENIED this, and can not or will not forward the 'purchases ' to me. And then they report this to the 'CREDIT BUREAUS ' which post a NEGATIVE and as a result shows a lower XXXX number than I should be enjoying. This by all means needs to be corrected, or this company should be held accountable for denying me my buying power, and by 'dunning ' my worthiness as a legitimate purchaser. I need the help that you can lend, to make this creditor comply. Thank you.

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