milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: about 5 years ago the newly formed church I attend needed a bank to deposit funds for a building fund. One of the members suggested an XXXX account. Everything has been fine until a month ago when the secretary tried to access the funds. The principle signer has XXXX XXXX and we are trying to replace his name with new ones. They are holding our funds XXXX. We have submitted all the paperwork they asked for, talked to XXXX XXXX who claims to be the president of the new owner of XXXX - Capital One. Emails have been passed almost daily and he keeps saying he is investigating. Meanwhile our bill are not being paid, the missionaries we support can not get their funds until we get our money from XXXX/Capital One. We are told everything is online and there is no brick and mortar bank to go to to talk to someone. We need help desperately. We can not hire a lawyer because our money is frozen. Please, please let me hear from you soon. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar evaluated our escrow account, using only 6 months of taxes, due to a XXXX refinance XX/XX/XXXX ( Refinanced through Nationstar ). Now they doubled my escrow requirements from {$3300.00} a year to {$5600.00}. They are now projecting that our taxes will increase by more than XXXX % in XXXX, because of their incorrect information. I 've submitted tax records from XX/XX/XXXX-XX/XX/XXXX. 
Our taxes have never increased more than XXXX % since XX/XX/XXXX. 
They are telling me their projections are correct and will not adjust anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Credit card) with Mid-Atlantic Consumer Services (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Threatening to contact employer and bank to garnish wages on a debt from 2000

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

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 11-12-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Closing on a mortgage

Complaint: See my complaint attached. See XXXX XXXX vs. XXXX XXXX Transcript attached. See emails attached. I am waiting for Ocwen Loan Servicing counsel XXXX XXXX to respond to my email providing me with a good a day and time when my FBI forensic signature expert can authenticate the American Home Mortgage Modification with my forged signature. The Schedule A with my forged initials. The void assignment and the Manufactured Note. I have attached a part of the 2010 transcript of robo-witness XXXX XXXX swearing under oath to have all the records with him during the trial. Robo-witness XXXX XXXX changed his stories multiple times recalling things from his memory and remembering things around this day and that day. Having no records of amount owed on the bogus loan. Robo-witness - I do n't know of the exact amount! The Judge - the witness could not lay a foundation. XXXX XXXX - XXXX XXXX XXXX owe more then {$300000.00}? The Judge - He said he do n't know! Robo-witness XXXX XXXX either had all the records with him or his did n't? XXXX XXXX, American Home Mortgage and crooked attorneys committed fraud upon the court to be guaranteed favorable judgment to embezzle my home doing the time I was declared permanently XXXX hospitalized and unable to defend myself. Ocwen Loan Servicing unorganized crime operation and its shady pathological employees who lie through there teeth are attempting to illegally embezzle my home to enrich themselves. Ocwen Loan Servicing is the  worst unorganized crime operation of them all. How much more will the American people take?

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have supplied them and the credit with the information attached and this information is still on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It is their sole responsibility to properly secure this data.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have written twice for verification, of my signature, that this debt is mine, and twice they sent nothing that verified it was mine, then another letter stating that they sold my account to XXXX XXXX, but yet they still report on my credit report with no proof it is mine. Any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from their company or any company that they represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, they need to request that all credit reporting agencies delete the entry.

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 05/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Before I went to  XXXX  school,  Navient kept enc ouraging me to put my private student loans on forbearance. My monthly minimum payments has now increased to over {$400.00}  ( four hundred ) d ollars per month. I have tried to make {$100.00} to $ 150 monthly payments, but  Navient co ntinues to send my name to collections for late payments. I have had several conversations with customer service and they are not willing to accommodate my financial situation - my   XXXX   student loans are {$280.00} per month ; my federal student loans are about {$220.00} per month ; my rent is {$1900.00} per month ... I am a   XXXX   XXXX   in Massachusetts and only bring home about {$1300.00} every  two  weeks ( {$47000.00} yearly salary ). I have told  Navient  that I am already struggling to find more affordable housing in  XXXX  and keeping up with my other bills and living expenses. I would not want to end up homeless because  Navient do es not want to accommodate my current financial hardship. I have repeatedl y told Navient that  I can make $ 150 monthly payments towards my loans, b ut Navient cont inues to encourage me to make that payment on one account and place the other loans on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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: First, Equifax has data breach. I have some open account and am somewhat worried about identity theft. News was released that some equifax managers committed insider trading meaning they sold stock before the information about the data breach was made public. I then understand the company is run by greedy XXXX who do n't invest in good security and am glad data breach happened just not glad my info could have been stolen. I used equifaxes website to see if I was affected and got back a maybe so I planned to sign up to use their free 6 month credit check however these XXXX will waive your right to be apart of a class action law suit against them if you do use their service. I plan on using free services to avoid identity theft and will enjoy seeing how much this company will XXXX in the coming months.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am writing today hoping you can help me, or at least let me know if there is anything that can be done. I live in New York. I applied online for a loan on Thursday,XX/XX/XXXX, and received an email from " XXXX XXXX '' of " XXXX XXXX XXXX '' stating I was approved. I called the phone number, which is listed as an XXXX TX number ( XXXX ). I spoke to XXXX XXXX and gave him my banking information so that his company could do transfer of a " verification amount '' to my account. I was told not to access my account, as I would invalidate the entire process. XXXX XXXX called me on Friday,XX/XX/XXXX and told me the money was there. He then said I had to return the money back to him via XXXX XXXX and once it was done I 'd be receiving the loan amount of {$2000.00}. When the XXXX XXXX  transactions would n't go through, he had me go to XXXX and purchase {$2300.00} in XXXX gift cards ( 23 cards at {$100.00} each ). After I photographed them and sent the codes to him via email I expressed my unwillingness to continue with the transaction. XXXX XXXX became irate, telling me if I did n't finish the transactions that he would contact my bank to close my account, and would also call the authorities to report that I had stolen the funds from them. On Saturday,XX/XX/XXXX I arrived at my bank at XXXX XXXX. I spoke with a personal client banker, told them I believed I was the victim of a scam. When he logged into my account it was discovered that this person/company put several claims into my bank to reverse several overdraft fees, as well as to reverse a {$3800.00} payment I made to my homeowner 's association onXX/XX/XXXX. The payment cleared and was in my homeowner 's association bank account on XX/XX/XXXX. Chase Bank reversed this payment, without verifying its validity with me via text or email. My Chase account is locked, I have no access to funds, my ATM card is restricted. I have no money. The homeowner 's association is demanding the payment be resent to them in its entirety or they will take legal action against me. Chase Bank and everyone else I am dealing with are treating me as the criminal, not the victim. I 've filed reports with the my local authorities, IRS, FTC, Better Business Bureau, Chase Bank, the " real '' company XXXX XXXX XXXX. No one is willing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Last evening at   XXXX   XXXX   Midlanding funding went into our   XXXX   XXXX   account and withdrew {$1800.00}  plus  &  XXXX  process fee with no warning, which is my  XXXX  pension that I live on. The bank said they won a court judgment against me for a previous credit card debt. This  3rd  party is not even the original creditor -- it was  XXXX   XXXX  or  XXXX   XXXX  I believe. I had lost my job as a   XXXX   XXXX   and went our on a   XXXX   %  XXXX . When the economy crashed in   XXXX   around the same time my husbands   XXXX    business crashes as well and we were in survical mode with  XXXX  children. and a sick  XXXX . They have left me with not enough to pay my bills!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed an online dispute regarding a credit account that inaccurately altered my account from " pays as agrees '' to " included in bankruptcy '' even though a bankruptcy has not been filed. I contacted the creditor who agreed the account was supposed to be closed just due to inactivity on my account since it was not used for XXXX years but someone at their company entered the information incorrectly. They have sent notice to the XXXX creditors that the account should be changed to " pays as agreed '' but transunion continues to claim that they have not received the information and denied my dispute. The form of verification they used was merely to contact the creditor in question instead of using a XXXX source of verification to see if a bankruptcy was even recently filed. XXXX has received the updated information from the creditor and updated my report accordingly. XXXX and TransUnion have not. XXXX has also prompted another lender of mine to place my loan account on hold due to this ping of inaccurate information. They have had three weeks now. Any longer may result in me seeking legal action that will cost me more time and money. Why would a credit company just call the lender when the consumer is disputing information provided by said lender. That 's like asking a liar if they are lying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Trouble during payment process

Complaint: This is my third complaint against Roundpoint Mortgage Servicing Corporation for the same issue. Roundpoint continues to act as if they are servicing my mortgage, even though the previous CFPB complaints have resulted in them acknowledging that my mortgage was transferred to  XXXX  effective   XXXX   XXXX   XXXX   meaning that I never owed   Roundpoint a single mortgage payment.
Yet, today, I received a thick envelope from Roundpoint i  n the mail ( reference  XXXX  ) claiming that I was behind on mortgage payments and recommending me for forclosure avoidance. In reality, I have been making my monthly payments regularly and on time to  XXXX , my true mortgage servicer.      It 's clear that Roundpoint 's internal processes are totally broken : I should not be receiving this harassment in the mail from them after three complaints. I highly recommend RoundPoint as a future company for CFPB examination activities, as it 's clear that they are having process failures resulting in illegal harassment of mortgage borro wers.

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 02/16/2016 about Debt collection (I do not know) with The Law Offices of Barry J. Gammons, PLLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: debt was in dispute, but still passed to another debt collector, who advanced to file an illegal action

Company response to consumer: Closed
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with JLB CORPORATION (KS).
Issue: Application, originator, mortgage broker

Complaint: I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with FIRST NATIONAL BANK OF PENNSYLVANIA (KY).
Issue: Problems when you are unable to pay

Complaint: Lender illegal reported to my credit as a auto  REPO  when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it.  Regency Financial turned  my money loan into a  AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Trouble during payment process

Complaint: My mortgage servicer is Select Portfolio Servicing, Inc or " SPS ''. In my monthly statements I have been charged {$190.00} for " unpaid late charges '' and {$290.00} for " other charges and fees. '' I was not sure what these charges were for as I am currently up to date on my mortgage. I contacted SPS and the representative advised that part of these charges were transferred over from my previous servicer, XXXX, when the mortgage was assigned to SPS in XX/XX/XXXX. She advised that when the mortgage was transferred there were {$190.00}. XXXX in late charges and {$150.00} in " other charges. '' She also claimed that there were three additional late charges of {$29.00} for XXXX, XXXX and XXXX XXXX and three {$15.00} inspections for the same months. However, I do not think this is correct and that these charges may be a mistake. When my mortgage was transferred to SPS, I was current on my payments and had taken care of any previous fees. I did fall behind on my mortgage a couple of years ago and then reinstated it. When I reinstated my mortgage the representatives advised that I had paid all of my late charges, so I do not understand why I am now being charged for unpaid late charges for those months in XXXX. In addition, the representative from SPS assured me that the {$15.00} inspection fees would be waived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage on property in moundhouse Nevada the mortgage was sold to M & T bank, XXXX XXXX XXXX XXXX Maryland from XXXX XXXX XXXX number XXXX On XXXX XXXX th I called and asked for a payoff total on this loan, I was told the amount was {$72000.00} I then wired this amount on the same day from my bank. They told my Daughter several days later that they would not post this payment until XXXX and We owed another {$350.00}, I sent the money, is this legal they would not post the transfer money until they could charge another months interest. Thanks for your help..XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (WI).
Issue: Making/receiving payments, sending money

Complaint: I had an unauthorized transaction on my checking account and the bank said I should stop payment on my mortgage payment because with the unauthorized transaction the payment would have bounced. I was never told that it would last 30 days. But even after the 30 day period the stop payment was not lifted which they admitted was a bank error but because of that error it resulted in my last loan modification payment to bounce and for my home to go into foreclosure with additional charges and lawyers fees from the mortgage company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with One Source Technology (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2016, Asurint provided a employment background check report on me for their client XXXX XXXX XXXX. Asurint claimed I had a criminal misdemeanor charge which I disputed directly with the prospective employer and Asurint as not belonging to me and identity fraud. The report in question clearly states charges against a XXXX XXXX XXXX ( my name is XXXX XXXX XXXX ) with addresses not used or belonging to me. Asurint fraudulently stated the criminal report claimed alsias ( es ) XXXX XXXX XXXX which is not true. The criminal report clearly states criminal charges against a XXXX XXXX XXXX and it does not state anywhere in the charging documents XXXX XXXX XXXX was charged with a crime or XXXX XXXX XXXX was using an alias XXXX XXXX XXXX. 
The criminal charges does not show or state both XXXX XXXX XXXX and XXXX XXXX XXXX were both charged with a crime or using aliases. The criminal report does not reflect my social security number and I have disputed use of addresses listed on report to all the specialty resellers supplying inaccurate date to companies like Asurint that are using inaccurate addresses to associate or attached my name to criminal charges. 
Under the FCRA I requested Asurint to validate their claim and provide the actual charging documents showing my social security number and charges against XXXX XXXX XXXX or courts records clearly stating XXXX XXXX XXXX was using a alias XXXX XXXX XXXX to date Asurint is refusing to valid their claim and supply the information. 
In addition, I requested the names, physical and emails addresses, telephone and fax numbers and contact names of all parties associating my social number with said inaccurate addresses to date Asurint has refused to provide this information to allow the consumer to dispute the inaccurate information directly with their source.

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