milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I tried to use an external App with Capital One Bank, however, every time they say they 're sending me a security code to verify my account information, I never receive it neither by text or e-mail. It is extremely inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: No documents no verification through the debt collection Company XXXX XXXX just saw this from a alert on my email that my account was in collection XXXX buy a company XXXX payday loan of {$840.00} never request or apply for a loan online I usually do it local. XXXX XXXX XXXX is in violation of only Fair Labor practice did not notify me just popped up on my credit report XXXX as a collection

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried repeatedly to obtain a mortgage modification from Ocwen, my mortgage servicing company. They have never offered any reduction in principal, have done their appraisal on the wrong house, and have denied me with no reason given. This is a short version of the ongoing ordeal. Giving up on a modification, I have been trying to do a Deed in Lieu for the last 9 months, with them dangling the promise of a relocation fee. They have delayed and goven me erroneous info over and over again, and have already forced me to reapply once because time had expired, even though the delay was due to actions on their part. Now a further reapply is about to occur, again because of erroneous info provided by them. It is maddening to deal with this company. I am certainly at fault for being behind in my payments on my mortgage, but it is them who have caused me to be so far behind with fees and charges and months and months and months of applying and being rejected for program after program, often with no reason given, and based on erroneous info provided by them. I have no idea if they are proceeding with foreclosure or not. I just want to resolve this issue. It is driving me crazy dealing with these incompetent, inconsistent people. One person tells me one thing and another tells me something else. Please help me if you can and tell me what I can do to deal with Ocwen and resolve the status of my home. This is certainly a short version of what has gone on over the last 3 years. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Bank account or service (Savings account) with U.S. BANCORP (NE).
Issue: Account opening, closing, or management

Complaint: A hold was placed on my savings account so I was unable to transfer money into it. I called the customer service number and was told I have to contact a banker in Colorado to receive any kind of information regarding why I was unable to access my money. The next day I found the same hold on my checking account as well, and was told the hold on my savings account had been in place since XX/XX/2015. This is absolutely untrue as I 've processed transactions using this savings account frequently over the past year. I now have no access to my money. I have tried calling the number provided to me and no one answers the phone. I am attempting to open a new checking account at a new bank because of the service I 've received at my current bank. However, to verify my current account the new bank needs to submit two 'trial deposits ' into that account. The new institution is unable to process these transactions due to these holds, the nature of which no one seems to have any information on. Now this is preventing me from being able to open a new bank account. I can not access my money for reasons that have yet to be explained to me, and I can not move my money to a new institution because my current institution froze my accounts and did n't feel it necessary to inform me.

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 01-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having 2 missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation items not mine lower my score in results i could not get what really i deserved in rates scores and other stuff please look at this inquires are not mine XXXX XXXX is not mine XXXX breach has cost me big time and they wont let me look at my credit XXXX XXXX XXXX/CHARGEOFFOther {$76.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$76.00} Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Utility company Responsibility Individual Credit Limit {$0.00} Highest Balance {$0.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$76.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX inquires not mine XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I need to find out what to do about getting a company to issue a Release of Lien from XXXX of 2012. I contacted them on several occasions and they told me several times that the Title had been mailed I must have lost it. So I recently sent off to the Texas Department of Motor vehicles for a Lost Title and was told that the finance company Santander still has a lien on the vehicle. My online account for the vehicle has been inactivated so I ca n't even pull up the proof that it is paid ... PLEASE HELP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed Account # XXXX XXXX XXXX XXXX with credit reporting agencies XXXX, Exquifax and XXXX XXXX on XXXX/XXXX/2016 as soon as this account appear on my credit report. I did not receive any commucation from XXXX XXXX XXXX and I did not receive any letter of validation statement with disclosure to let me know about this account or any other account that I had open from any medical bills. Below is the respond from Equifax and XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class XXXX XXXX ; Client XXXX XXXX XXXX XXXX ; Amount {$410.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$410.00} ; XXXX ; Account # XXXX ; XXXX : XXXX XXXX XXXX XXXX CT XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with Louisiana Recovery Services Inc. (IA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Medical bills have been paid by insurance before making to collections and the company harassement me and having a very impact on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I attempted to return the caller back he claims to work for attorney Scott Carruthers. Name is XXXX XXXX. Once I got a hold of him, he than started asking information about me, which i replied i do n't give out my information. I asked who it was and he hung up than i called back and he explained that he does n't talk to strangers. He keeps contacting family members repeatedly. Also calls me from unknown numbers.

Company response to consumer: Closed
Consumer complaint received 04/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have contacted Navient in regards to lowing the amount to allow me to repay my student loans. I only make {$40000.00} which then taxes, health insurance, and child care is then deducted. The only payment that they are seeking is XXXX per month and this does not include my federal loans. I am unsure what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with Midwest Loan Services, Inc. (IL).
Issue: Trouble during payment process

Complaint: I made my regular payment on XX/XX/XXXX ( the normal due date ) On XX/XX/XXXX I received a call by Midwest loan services hat said my payment had not been received. I informed the customer service rep, that I had paid via internet banking through my credit union and payment was sent ACH on XX/XX/XXXX and the funds were taken from my account. After a brief place on hold, I was told " sorry, you payment was n't late, we returned it due to our partial payment policy ''. But I did n't make a partial payment, I paid the same amount I do every month. This is when I found out there was a PMI miscalculation and I had and " escrow '' shortage of {$5.00}. 

They claim they sent a letter which I never received, it certainly was n't sent certified. So since they returned my payment, they now wanted me to pay it again with the {$5.00} added. Well I ca n't pay them, until I get the money back ( that they had ). At this point we started discussing a late fee and how I could be reported to the credit bureaus if I did n't pay it. This is when I started losing my temper. How can they do this? They had my money? After some negotiation, I was told they would waive the fee this one time and would not report me. But how many customers have they done this to?

The status as of right now ( XX/XX/XXXX )? The rejected payment was sent to a third party internet banking partner of my credit union ( that is also their policy ). It will be 10-15 business days before it will be deposited back into my account ... at which time I can pay Midwest Loan Services AGAIN. It  's my opinion that they are in violation of the Truth in Lending Regulation as I have not been credited " promptly '' as the Reg states. I have spend at least 16 hours trying to track down my money. None of this was my fault and I 'm paying the price. Something needs to be done about this 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 04-06-2016 about Debt collection (Federal student loan) with NELNET, INC. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have applied multiple times and given appropriate paperwork for this death to be forgiven under the law of XXXX Nelnet has not followed up on their end with debt forgiveness even though I have provided all paperwork asked for ; XXXX LETTER, DR. LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Sometimes an issues just don't fit neatly into the boxes.  My student loan company reported something in error which I disputed and it was removed.  My credit score dropped to 500+ during this time from the mid/upper 600.  The error was removed in early XX/XX/XXXXso I figured once the credit score was updated in XX/XX/XXXX it would correct itself. I just checked the score after the XX/XX/XXXX update and it only increased 3 points. Why am I continuing to be punished for the error of the report which was promptly disputed and removed?  Why haven't the credit bureas fixed my credit score?  There's not even a way that I can dispute the score.

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 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies. And I want to report this as a fraud. Therefore, I need documents to file a fraud against Navient or XXXX XXXX. I am still refusing to pay this due to not even working in the XXXX, per say as my dream job. It has been ruined, so I have chosen a different career. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Savings account) with MB FINANCIAL, INC. (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX XXXX XXXX XXXX, XXXX, Bank employee XXXX XXXX Stated that my savings account was closed preventing me from making a deposit into my savings account. XXXX XXXX XXXX, XXXX, Never answered the Certified letter sent and received by VP XXXX XXXX that was sent to him, due the meeting with myself and two witnesses which was present at the meeting thats willing to testify concerning XXXX XXXX XXXX, IL ; XXXX XXXX XXXX, Check # XXXX, XXXX, IL., Legitimate, Certified, XXXX, Act ; copies! XXXX ; Demand applies, my name is indicated by XXXX XXXX XXXX , XXXX, causing Fraud Upon the Courts/ Aid & Abetting! Coverup are a Crime!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2015, at XXXX XXXX., I attempted to use an ATM owned by Navy Federal Credit Union ( located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to make a deposit to my account at XXXX. ( This ATM accepts deposits for other institutions. ) I put in my ATM card, entered the PIN and selected cash deposit. I was then prompted to enter the cash ( {$130.00} ) and the ATM took the money. Suddenly, the machine " blinked out '' like a power surge occurred. The screen read " error - unable to complete transaction or return deposit - contact Navy Federal Credit Union. The atm then released my ATM card and I made another transaction to determine if my deposit had been credited to my account and was shocked to learn that it had not. I then contacted Navy Federal Credit Union, and was pushed off from one person to another for 45 minutes and could not be helped. Finally, I was told to contact XXXX. I contacted XXXX and was told that the ATM failure was Navy Federal Credit Union 's fault and that I was to contact them for a refund. I attempted to contact Navy Federal Credit Union 3 more times and was told that they could not do anything and that I was to contact XXXX. I contacted XXXX again and as informed that nothing was documented on their records and Navy Federal had my money. I then called Navy Federal again and spoke to a XXXX at Navy Federal Credit Union in XXXX. She was rude and belligerent. She had me do a conference call with XXXX and she was no help at all and there was no resolution. After 4 hours of this, I gave up and still do not have my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Medical) with First Federal Credit Control (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates LLC keeps sending me letters when I have written to them and advised that I do not owe them any money. They sent me a letter today staying they have purchased a debt of XXXX from XXXX. They said that the seller had provided an electronic file of business records that they consider verification of debt. Unfortunately I never entered into an agreement with this collection company or 3rd part company. I have reached out to XXXX and they can not provide me with a written signed contract because they said the debt is no longer in the database. By law I am only bound to pay a creditor when I have entered into an agreement with them. I do not know who portfolio Recovery is but they are trying to get me to pay a debt that I do not owe them. If they bought this debt without the signed contract that it is not my problem. I will not negotiate or pay a 3rd part collection company because they can not legally provide me a signed contract showing that I owe them anything. Their unwanted communication and threats are now past the point of trying to be reasonable. I am asking that a full investigation be done into their illegal attempts at collecting on a debt that I do not owe them.

Company response to consumer: Closed with explanation