milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This complaint is more of a means to ensure something gets done rather than a complaint for something illegal a company is doing. Although I must say the company in question has harmed me by their inaction.

Capitol One has an account listed on my credit report. I am listed as an authorized user. The problem is that the account is not mine and I have never used the card. It belongs to my sister. My sister has already contacted the company months ago and multiple times over the last few weeks to have me removed from this credit card account as the debt on the card is preventing me and my husband for qualifying for a home.

Multiple times the creditor has told my sister that I would be removed and promised a letter to her. My sister has never received this letter and I am still on the account. It was not until today, 43 days after I was denied for a home loan, and multiple weeks after numerous phone calls that Capitol One finally stated to me that they would send me a notice claiming they had removed me from this account and any credit reporting. Normally this would be enough for me to be happy but considering they have already promised this multiple times to my sister without actually happening then I have no faith in them and am filing this complaint in order to ensure compliance. More so due to the fact that it took me 33 minutes on the phone before I was finally able to convince them to even talk to me and remove me from this account that isn't mine!

That's all i'm asking for and I hope this time it gets done. Also, they said it would take 60 days for it to reflect on my credit report but I know it should only be 30.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXXPHH Mortgage Corporation Loan Number : XXXX : Consumer Financial Protection BureauRegarding : XXXX XXXX XXXX XXXX XXXX ) PHH send me a letter dated XXXX/XXXX/2015, stating that I was not eligible for a Homeowners Assistance Program, and that you are the " owner of your mortgage loan : XXXX XXXX XXXX XXXX XXXX ''. 
2 ) Your customer service department stated you are not he owner of my loan. 
3 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 
4 ) A Notice of Trustee 's Sale was posted on my front door for a sale date set for XXXX/XXXX/2015, stating that are a Trustee for XXXX XXXX Mortgage. 

I 'm requesting of you to provide me under the California Homeowners Bill of Rights, Mortgage in General-California Civil Codes : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

Copy of the Note The Recorded Name on the Deed of Trust Any Assignment Notice of Trustee 's Sale for XXXX/XXXX/2015 and XXXX/XXXX/2015 All Evidence Required to Demonstrate the Right to Foreclose The letter Fair Debt Collection Practice Act ( FDCPA ) The Wet Signature because of Robo Signing Explain Securitized Loan Explain Mortgage Electronic Registration System ( MERS ) Explain XXXX XXXX XXXX Explain XXXX Explain XXXX XXXX XXXX XXXX of XXXX pages

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with MIDFIRST BANK (FL).
Issue: Trouble during payment process

Complaint: I have an insurance claim and the insurance check was sent to my mortgage company for them to send out to me and my attorney. They got the check on XX/XX/XXXX. My attorney sent in the adjuster worksheet and contractor bid on this day via fax. They told us they were going to mail the check to me that day. I did not receive it soon after so my attorney called to follow up on XX/XX/XXXX. They needed their XXXX form to release the check so my attorney faxed in their XXXX that same day. The attorney called to follow up on XX/XX/XXXX to make sure they got the XXXX, they confirmed they did but had not sent the check out due to processing times. My attorney again called to follow up on the check being mailed out on XX/XX/XXXX, they then told the attorney 's office that they need the type of loss and contractor bid or supply list. My attorney office sent this to them again, they originally faxed it to XXXX on XX/XX/XXXX. My attorney office followed up on XX/XX/XXXX, they told the attorney office that they received the bid and are processing the check and it will be mailed out in 5-10 business days. On XX/XX/XXXX, the attorney called to follow up, she spoke to loss draft department and they told her they now need the XXXX for the contractor. The attorney sent it in. They told her to call back wednesday ( XX/XX/XXXX ) to follow up on funds. On XX/XX/XXXX, attorney called to follow up, they told her they need a letter stating that the contractor is aware and ok with not being on the check and having my attorney pay them in disbursements. They got and sent this letter in the same day. On XX/XX/XXXX, my attorney called to follow up, they said the check was approved today. we requested that they send the check overnight and take the fee from the insurance check. they confirmed it would be done. they said the check would go out in the next 2 business days. On XX/XX/XXXX, attorney called to follow up because the check had not been received, the loss draft department said the check was mailed on XX/XX/XXXX via REGULAR MAIL and that regular mail takes 5-7 business days to get to you. The attorney asked for a tracking number, there was no tracking number done on the check. We continuously checked both of our mailboxes until today when it is the 11th business day. My attorney called into the mortgage company today to see where the check was. They told the attorney they THINK it was mailed on XX/XX/XXXX but that they tried to call me and couldnt reach me so that is why it was not overnighted weeks ago. I called in today as well to tell them to stop pay and overnight the check with my attorney on the line. They said it will be another 7-14 business days for them to stop pay, reissue, and overnight the check. I asked them to overnight it to my attorney and they said they " might '' be able to do that but the girl wasn't sure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Settlement process and costs

Complaint: My husband filed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, after a very long and difficult period working with XXXX, we modified our mortgage under the HAMP plan. Please note, that I was the primary borrower on our mortgage but had NOT filed bankruptcy. We also a XXXX mortgage with Ocwen, who refused to work with us on a modification on our XXXX mortgage. Ocwen advised that they could not speak with my husband regarding the bankrupsty, however, as I had stated to them on numerous phone calls, I was not part of the bankrupsty so they should be able to converse with me, but refused. When asked how we could settle approximately one year later, they said the load was written off, however, we never received a lien release, but went by their word. Ocwen purchased the first mortgage from XXXX and then shortly shortly after, sold the mortgage to XXXX. We have been making payments faithfully for over two years with Ocwen and XXXX, but now that we are only with XXXX and due to the modification agreement after five year, which will be in XX/XX/XXXX interest will adjust, so we went to one of our C.U to refinance our mortgage ( and we were approved ) and that is when trouble again begain as the title searched turned up the second mortgage lein. My husband tried to call the Ocwen immediately, but was told that a lein research release takes a minimum of 6 months and can only be done via fax. This is totally unexpectable and as faithful consumer, we have worked diligently to keep our credit rating in good standing, only to once again, be help back by the big banking industry. We have been dealing with this type of treatment for approximately 10 years, starting with XXXX and would really appreciate some relief when we work so hard to follow all the rules that the banking industry has established, however, only to be repeatedly abused by these big corporation. This is no doubt Unfair, deceptive and abuses acts and practices two fold. Thank you for any advice and or guidance you can provide..

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (PA).
Issue: Managing, opening, or closing account

Complaint: On XXXX/XXXX/15 I purchased XXXX Reload-IT cards from XXXX with values of {$500.00}, {$500.00}, and {$310.00}. 

On XXXX/XXXX/15 I purchased XXXX Reload-IT card from XXXX with the value of {$300.00} On XXXX/XXXX/15 I added all of the Reload-IT cards to my Reload-IT wallet, at https : //reloadit.com/ using my userID XXXXXXXXXXXX. Later in the day on XXXX/XXXX/15 I attempted to login to my Reload-IT wallet at https : //reloadit.com/ and received this message " Your Safe has been blocked. Please call XXXX XXXX XXXX XXXX ''. Upon calling the XXXX number, I was told that my online wallet was locked, and that I needed to send in proof of purchase for the XXXX Reload-IT cards before I would have access to my balance. I submitted all of the required documentation XXXX/XXXX/15, including original copies of the receipts, scratched off reload-it cards, my drivers license, and a copy of a bill to prove my address. 

On or about XXXX/XXXX/15 Reload-IT told me that my funds would not be accessible with no additional reasoning. 

I am out {$1600.00} that they locked in my account with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: incorrect applications of my payments, spend a lot of time correcting mistakes was sent a letter that my escrow would be short one penny, sent a payment of {$1.00} with a note that it should go towards escrow and was not done. Called several times to get corrected Made a payment XX/XX/XXXX, received by cap 1 XX/XX/XXXX. they extra payment was sent to unapplied funds and a note on my statement that when i make a full payment then t thehey 'll apply to my loan and they will continue to report to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting a late payment on my XXXX account. That entire payment was removed from my account as a result of being fraudulent activity. There should be no late payment shown.

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 02/13/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have had a XXXX XXXX/XXXX account in good standing for several years with automatic minimum payments enabled. On XX/XX/XXXX, I made a lump sum payment of {$1000.00} to cut my balance due in half. Within two weeks, they automatically cut my credit line by more than half by about the amount I paid from {$2000.00} to {$960.00}. They sent a misleading and dishonest letter claiming a " Credit Check '' had driven their decision. In fact, my credit rating has been steadily improving every month since XX/XX/2017. XXXX XXXX simply does not want to honor the XXXX Cash back policy and they are discriminating against borrowers of XXXX descent. They not only charge us above average interest rates, they also preemptively reduce our credit lines to keep our balances near their limits to maximize the opportunity to charge additional fees and higher interest rates.

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 04-05-2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I had XXXX hard inquiries from imortgage company ( XXXX ) on my credit report on XX/XX/2017 and XX/XX/2017 making it XXXX times in 8 days. 
I called both XXXX and XXXX who reported this inquiry and I was advised to ask for a letter of deletion from the loan company to take it off my credit report. 
My loan officer denied making the inquiry on the XX/XX/2017 and has refused to give me a letter of deletion for the hard inquiry on my report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: Attached Memo

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student Loan was serviced through XXXX/Navient. There were several times that I had XXXX issues affecting my ability to earn income. When I contacted the servicer for options I was steered into forbearance programs which increased the interest owed on my loan instead of offering any other alternatives available to me. I had no idea I had any options other than forbearance and was mislead to believe that forbearance was the only viable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (ND).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX I took out a private student loan from XXXX XXXX/Navient. The disbursement amount was {$32000.00}. XXXX XXXX/Navient was vague with regard to the terms, interest rate and repayment options from the start. Every time I called with questions they pushed me into forbearance or deferment. They told me I didn't qualify for income based repayment, refinancing or any other options. I have attached the account ledger wherein it is clear that Navient capitalized thousands of dollars of interest during forbearance or deferment periods. I was never given other repayment options despite calling repeatedly. Even when I filed a previous complaint with the CFPB the response from Navient again suggested forebearance as a solution. Forebearance only benefits Navient and is NOT a solution to my problem. My original loan amount was {$32000.00} as of XX/XX/XXXX. Navient has increased my loan amount, interest rate and payments creating financial hardship and a loan that I will NEVER pay off. As of today, XX/XX/XXXX I owe {$35000.00} and have an interest rate of 7 % and my payments are {$350.00} per month. Navient has not properly or legally serviced this loan in the best interest of the borrower. Their actions are only in their best interest. To date I have paid a total of {$27000.00} on my loan of {$32000.00} and I still owe {$35000.00}!!!! I will never pay this loan off. Navient also does not apply the correct amount to my principal therefore racking up enormous interest balance on my loan. This loan that I have paid on for over 10 years will take me another 20 years to pay off and that's if they don't keep raising my interest rate. I am asking for LOAN FORGIVENESS. Navient is engaging in illegal loan servicing practices and I am requesting borrower relief. This loan and previous forbearance and deferment have drastically hurt my credit and will continue to do so for the next 20+ years. I have contacted Navient on several occasions asking to refinance, lower my interest rate, renegotiate loan terms, repayment options ( the only repayment option they say that I qualify for is forbearance or deferment ) which is NOT in my best interest. Please help. I would be willing to settle the loan for the difference between my original loan amount and what I have already paid for a total settlement amount of {$4900.00} in a lump sum payment. This is a FAIR resolution. I want settlement or total loan forgiveness! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian refuses to delete incorrect address ( s ) provided even though their own records are incomplete as to the incorrect address ( s ). I have told Experian I have lived at the same address for 30 years. On my credit report Experian lists my correct address XXXX XXXX XXXX and gives it an id # XXXX, it lists the type of dwelling : Residence. It gives a geography- ical XXXX. Then it goes on to list XXXX other address ( s ) that are n't mine given as Id # XXXX and id # XXXX.They do not list the type of dwelling or give a geographical code to either incorrectly reported address ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  XXXX   XXXX   XXXX  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  XXXX   XXXX  assigned to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Consumer Loan (Vehicle loan) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX, 2016 I traded in my car at XXXX of XXXX. I had an auto loan with Regional Finance in XXXX, SC. XXXX of XXXX called Regional Finance to confirm the pay off amount which was {$13000.00} according to Regional Finance that day. XXXX of XXXX agreed to pay the car off for me and placed me in a new car that day. One month later, XXXX from Regional Finance called me stating I have not made my car payment for the month. I told them I traded in the car with XXXX of XXXX they were suppose to send you the check for the car, they said they did n't receive it. I called XXXX at XXXX of XXXX, He stated they were working on it and should be sending them their check that week. Regional Finance accepted the pay off check from XXXX of XXXX and gave them the title of the car. XXXX from Regional Finance calls me again a week later stating I still owed them {$2000.00} for the car because the pay off amount was not correctly given to XXXX of XXXX and someone needed to pay this amount. I went up to their office that same day told them I would not pay because that was a mistake on their end not mine. I had XXXX on the phone from XXXX of XXXX with me, who stated XXXX the salesman spoke with a guy named XXXX that morning of the sale. XXXX stated it was not him. Also, XXXX stated well since no one recorded the conversation to see who it was from the office who told the incorrect pay off amount. I would still be responsible for the remaining balance. During this conversation XXXX was working on the computer when I pointed out to him and shouted to XXXX on the phone that on XXXX of the screens he was on the exact same pay off amount that was quoted to XXXX of XXXX. It stated pay off amount {$13000.00}. So I told them it was definitely Regional Finance mistake for giving XXXX of XXXX the incorrect information. XXXX of XXXX confirmed with Regional Finance TWICE on XXXX XXXX if that was the correct pay off amount and Regional Finance stated it was the correct amount. Of course, Regional Finance reported it on my credit report that I missed 5 car payments from a {$7700.00} remaining balance. {$7700.00} balance is what the full term of the car balance would be if I went to 72 months to pay it off. Regional Finance did report they received the {$13000.00} from XXXX of XXXX, however I still owed them what now what reports as {$850.00} ( where this new price came from could not even tell you ). So now the account is currently charged off, due to non payment, on my credit report because I did not give more money for a car already paid off and no longer in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2015 about Debt collection (Non-federal student loan) with EOS Holdings, Inc. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company CALLED MY SISTER and claimed that they had that number as my personal residence. 

This is not true, had never been true, and they are in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX ran my credit with out my permission

Company response to consumer: Closed with explanation