milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Bank account or service ((CD) Certificate of deposit) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Account opening, closing, or management

Complaint: This is a XXXX complaint about attempting to redeem a certificate of deposit at Capital One. I no longer live in the Capital One footprint. My XXXX phone call I was told that they would mark my account and it would be autoredeemed. When I checked, on the maturity date, I was told that there were no notes on the account and the I would need to talk to the certificate department but I would have to call back in XXXX minutes as they are n't open. I called back and was informed that I would have to talk to the branch. I called the branch today XXXX call XXXX to redeem a CD ) and I was told that I would have to have a letter notarized and mail it to the branch. This is not an acceptable. I want the CD redeemed. I offered to fax my license to XXXX the branch. She refused. She then stated I had the " option '' of faxing the notarized letter to the branch. I again refused. How can Capital One, an international bank, not have a process in place to address customers outside of their footprint. It appears that they are holding my money hostage until I happen to travel back to the XXXX area. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: ocwen refuse to give us a modification. they foreclosure. sale date XXXX/XXXX/2015. 
we were approve for a short sale on XXXX/XXXX/2015. and Ocwen file foreclosure sale date of XXXX/XXXX/2015. they refuse to cancel the sale date and refuse to work with us on our modification/ we do not want to lose our home because we have no where to go. 
we need your help to stop the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this information with Equifax in which the results of their investigation is that the infomration is reported correctly. I disputed the information and asked that it be removed because the plantiff vacated and dismissed the judgement. I have a letter from the attorney with the proof that this judgement is not correct. How is that equifax investigated and did not know this information. This proves that Equifax has been bias with investigation and has not been investigating correctly. They are leaving a judgement on my file that is hurting my credit report and refuse to remove it even when it 's being vacated andl dismissed by the plantiff.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with ARVEST BANK GROUP, INC. (NJ).
Issue: Trouble during payment process

Complaint: I 'm into 23 cycle of my 30 yrs loan. Loan any XXXX at 4.499 %. Recently when I checked my principal+interest composition, it appears that my interest is double than principal. Is that sound right, granted that in the coming years it will come down but banks collecting interest more than the principal sounds morally unethical. We all work hard to pay mortgage/bills and to meet our ends. But when you learn that banks safe guard their interest and profits, and keep their interest at higher priority than you as a customer it sounds wrong. Just to put into perspective, off the total money i.e. towards principal and interest I pay, more than {$1000.00} goes towards interest and less than {$500.00} towards principal. Is this ethical? Not until 15 yrs into loan, my principal n interest would be equally. That means I 'm XXXX if I want to buy another house n sell my current house. Banks has collected more interest in 2 yrs than paid towards principal. Is n't this incorrect? I mean how will low to medium income family survive. My contact XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with FIRSTBANK (AZ).
Issue: Problem with additional add-on products or services

Complaint: I opened a bank account with XXXX located XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and every paper I signed, I asked if my credit will be affected. They said no, and I continued to agree. Little did I know that they placed a reserve account which is a small line of Credit that I absolutely do not need. After looking though my credit score, it has dropped 20 points due to this issue. I called them right away and said they will fix this issue. They proceeded to cancel the cash reserve and will call me me back once the issue is resolved. Couple of hours later, they called and said there is nothing they can do and already talked to their compliance team. Keep in mind, they already canceled the service and now I do not have this cash reserve which dropped me 20 points, and this still on my credit report. This is simply not fair and very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX was assigned to service my XXXX XXXX in XX/XX/2017. Since that time, I have not received periodic statements from them. Today I checked the mailing address on my account and it is correct, and my account preferences that all statements should be mailed to me. There is no reason I should not have received statements via mail. 

This morning I received a prerecorded call from Heartland telling me to call them back. I never consented to receive prerecorded calls. I called them and was placed on a lengthy hold. During that time I checked my account online. It shows I am three months past due on my account. I NEVER received any statement for any of those charges. I tried to chat with XXXX XXXX on their website and submitted my complaint through their website as well. No response. 

I am concerned that Heartland has now incorrectly reported my account as past due to credit reporting agencies. Heartland needs to IMMEDIATELY correct any incorrect reporting. It also IMMEDIATELY needs to correct my account status and reverse all late charges. Periodic statements must be mailed to me going forward. An explanation letter from them, for my records, is also warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with Risecredit, LLC (OH).
Issue: Account opening, closing, or management

Complaint: I viewed my credit report and find a lender " Rise '' on my report. My identity was compromised through XXXX. All Clear ( credit protection ) called to let me know " Rise '' was inquiring about my credit. I called " Rise '' and they said they are an on line company from Texas. I did not apply for a loan. The loan was denied due to some information not measuring up. This is a Hard Inquiry on my credit. I need to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Payday loan) with AmeriCash Holding LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This account was open in XXXX XX/XX/2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested XXXX XXXX to validate this account many time Under FDCPA XXXX XXXX. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. Americash Loans LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: These are XXXX XXXXNavient loans that I paid on for over ten years and the balance is still very close to the original amount. I saw this on the XXXX XXXX and said I am XXXX of those people. Where did all of the money that I paid into it for 10 years go? They, repeatedly, offered forbearances and said it would just be an extra payment at the end. There were times were I would make a payment and it just disappeared. I would be forced to make another payment, the next week. They were very deceptive. The loan was sold multiple times and often felt that I was being lied to with no one to get a real answer from. I paid on XXXX accounts for ten years and the total is still near its original balance ( {$11000.00} )! These now show up as closed-derogatory student loans with an {$10000.00} balance. I paid on them for ten years and paid down {$500.00} I just got a call from XXXX XXXX from XXXX XXXX XXXX who said they were with Navient and looking to settle at a drastic reduction, however, the words and actions of the person that contacted me on the phone made me unsure of their validity. 

These multiple loans have kept me from getting into a home for ten years. I, finally, have some XXXX to listen. As much money as I have paid to this loan, I would like for it to be resolved and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2016 I started the process to get a debt from Portfolio Recovery Associates validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute XXXX { XXXX XXXX XXXX ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no verification, all that was done within the 30 days they had was mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt and their lack of response, they have already broken Federal law. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them XXXX last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored, short of the first letter with them marking their trade line as " Disputed '' except now reads " Dispute resolved- Consumer Disagrees ''. I have all documentation of my attempts of correspondence with Portfolio Recovery, and will also be attached with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Auto debt) with CAVALRY INVESTMENTS, LLC (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Cavalry SPV I , LLC as assignee of First Investors wrongfully filed a proof of claim with the XXXX  District of Oklahoma courts. This debt buyer cant prove that you owe the debt, the statute of limitations has passed, debt buyer cant prove that it actually has the right to sue you because I've never received anything from this company nor this company/companies on my credit report. This debt buyer is providing robo-signed or false affidavits regarding a so called debt against me. This company has several different states listed, it has Georgia and New York. They can not sued me in a state where I do not live or did not sign for the debt. This is fraud and they are trying to defraud the Federal Bankruptcy Court of XXXX  Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with ATLANTIC BAY MORTGAGE GROUP LLC (NJ).
Issue: Settlement process and costs

Complaint: i had received a loan from atlantic bay mortgage. in the very beginning i signed a disclosure being approved for a loan of XXXX and they also sent me a estimate a week later. all full well knowing how many houses i had and how much rent i collect on each one. so it was so posed to be only XXXX % down on an investment loan. as what the disclosures i signed showed. then came the closing and they changed it up on me with out giving me 3 days of notice and no new disclosures to sign as the new law states. i had to call to find out why i had to come up with so much more money in the very end. thats when he told me XXXX XXXX requires XXXX % down since i have so many # of houses.which changed the loan amount to XXXX. i said you never told me, then he said. " oh i never told you? thats my bad! '' i asked if they could change it back to XXXX % down being that they never told me until i had to call them up wondering what the change was. even knowing they threw me a curve ball with out any notice at all, he and his boss said there was nothing they can do about it now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection company XXXX partners sold this account to another collection agency Capio partners and has left the account open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was a victim of identity theft 2 years ago. I sent 3 certified letters to Equifax requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Credit decision / Underwriting

Complaint: This is a dispute to case number XXXX. 
I received a response from Chase sharing that they closed my file due to lack of response in XX/XX/XXXX. Chase provided XXXX letters [ XXXX letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX and a letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX for additional information. I submitted said information on XXXX/XXXX/XXXX as evidenced in this attachment. 
In addition, the criteria for information being requested continually changes : 1. I was told that I would need to justify non-payroll income. The underwriting returned my file to justify a deposit that was a payroll deposit in XX/XX/XXXX and XX/XX/XXXX. Each time I provided documentation. In essence, if I provided documentation that it was a payroll deposit in XX/XX/XXXX, I do not understand why I would need to justify income again on a criteria that was not part of the original criteria. 
2. I received another letter dated XX/XX/XXXX, I was told that I would need to justify deposits over {$1000.00} that are not paychecks with the submission of XX/XX/XXXX and XXXX bank statements. I provided the bank statements. I did not have any non-payroll deposits. 
Approximately, two and a half weeks later, I received another dated XXXX/XXXX/XXXX that I needed to justify spending over {$1000.00} on my bank statements and another copy of my thrift savings account. 
3. On XXXX/XXXX/XXXX I received another letter my chase stating that my file was suspended and need to justify I took a loan out on my TSP account in XXXX. My supporting documentation shows that my loan was taken out in XX/XX/XXXX and not XX/XX/XXXX. Furthermore, this is the same loan documented at the time of my original assumption request back in XXXX. Chase is also asking me to justify information that is public knowledge ( i.e ) the terms for General Purpose loans with the TSP. I would also imagine given the volume and number of loans originated by Chase, their underwriting professionals know rules and guidelines an individual can have for TSP loans based on the type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.

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 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had a credit card with Bank of America sinceXX/XX/XXXX. In fact it is my oldest credit card and had a decent credit limit on it. These items are important as they are factors in determining my credit score.
According to the bank they closed my card on XX/XX/XXXX. Bank of America never contacted me to tell me they were going to close my account, nor did they inform me when the account was closed. I became aware that this had happened on XX/XX/XXXXwhen a credit monitoring service notified me that one of my accounts on my credit report had been reported as closed.
I called Bank of America today,XX/XX/XXXX, to have them reinstate the card. I was first put in touch with a man who could not have been less helpful or poorly trained. He then mistakenly transferred me to their fraud department who, after doing their own digging, determined I should be transferred to their credit department. I finally spoke to a woman who was able to understand the problem but informed me that the bank would not re-open the card. I was then told I could re-apply for a new card which does not help me.
I think it is horrible that Bank of America would be so cavalier  with other people 's credit and credit worthiness. My credit history is now shorter, the average age of my accounts younger, and my available credit diminished. I was a customer in good standing and never had a late payment. In addition the unilateral action with no prior information and no way to reverse this is startling.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, 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 07-10-2015 about Debt collection (Credit card) with Weber & Olcese, PLC (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: COMPANY DID NOT FILE A COMPLAIN WITH A COURT OR DID NOT NOTIFY ME IF THEY DID, BUT WENT AHEAD TO PROVIDE MY BANK, XXXX BANK FAKE DOCUMENTS AND GARNISHED MY BANK ACCOUNT ILLEGALLY OF FUNDS RANGING FROM {$410.00} TO {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian did not delete a public record account on my credit report. NYS tax and fiance in the amount of {$3300.00} which was a paid judgment was due to be deleted from my report as the allowed time has passed. I tried to dispute it online through experian website but unable to do so as the system would not allow me to do any disputes. I tried contacted experian by phone and was told that it is not reporting on my credit report. I just checked it through XXXX and XXXX and it is still reporting.

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