milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I declared personal bankruptcy 4 years ago. My home has XXXX mortgages. At the time, my lawyer advised that I =not= include the servicers in my list of creditors. I have never missed a payment with either company, but because I did not include them in my list of eligible creditors, they have refused to report my good payment history to XXXX, XXXX, etc. so I ca n't properly rebuild my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: capital one closed all 7 accounts and will not allow us to redeem our points that we have accumulated to purchase a new XXXX XXXX product

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Other financial service (Refund anticipation check) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Lost or stolen check

Complaint: Reference Case # XXXX The XXXX money orders that were trace by XXXX XXXX were not added to the total amount paid. I sent documentation to this office and to Regions when i returned the {$30.00} check they sent me because the owe me $ XXXX. I know this office received my corresponding as well as Region. I did n't know how to add on the the case so I am submitting it this way. I need my money or the accounts forced open. In either case someone need to contact me. The list of money orders they applied neither is for {$75.00} or {$30.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After months of continued phone calls regarding a debt that my mother is adamant she does not owe, I sent a cease and desist letter to Portfolio Recovery Associates via certified mail, return receipt requested on XXXX/XXXX/XXXX. It was delivered and signed for on XXXX/XXXX/XXXX. The letter states that she disputes the original debt which was sold to them in XXXX from XXXX XXXX and was a debt from XXXX. So, regardless, the statute of limitations has been reached and unless they plan to take further action through the courts, they are to stop calling our home or sending collection letters. 

I have explained to them many times that she now lives with and is dependent on me after going through XXXX this year alone and XXXX. Today is XXXX/XXXX/XXXX and we just received a call from them and of course the person on the phone acts like they have no information at all about the certified letter or my mother 's health and communication issues. I have POA, but do not have time or patience to deal with the daily phone calls or to communicate with these people. It is upsetting to my mother every time she realizes who is calling and just trying to keep the fact from her that they are harassing us is a job in itself. I no longer try to get details from her, but I do understand when she is saying NO, NO, NO! By now, this company should have all of this information on file and leave her/us alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX contacted me about a credit card from Capitol One which they are attempting to collect upon. They did not identify themselves as being from XXXX XXXX XXXX XXXX. I discovered this after reverse tracing the phone number they gave me to contact them.Instead of discussing the delinquent credit card amount in question, they attempted to coerce me to purchase a gift card from them, before allowing me to inquire or negotiate over the amount I owe to Capital One. They sent me a letter dated XX/XX/2017 with the last four digits of the credit card # XXXX along with a case number XXXX. The letter instructed me to call an XXXX number ( XXXX XXXX ). I called the number which brought me to a menu with only one option, which was to hit the number 1. I selected the number and a call center representative came on the call and attempted to sell me a {$100.00} dollar gift card for a fee of {$2.00} before he would discuss anything about the delinquent credit card. This tactic was deceptive and unethical in my opinion. I was trying to make a good faith effort to settle an old debt and was being being solicited to buy something else in order to simply gain access to someone who could or would discuss the credit card with me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I took out an FHA loan on my property when I bought it over 6 years ago. At the time I put down over 20 % of the purchase price. Since my loan was FHA I still needed mortgage insurance. I refinanced 1 year later, and was told that since I had well over 20 % of the value of my property paid I had to wait 5 years and then I could get rid of my mortgage insurance. As of XXXX XXXX, 2015 it will be 5 years. I have been trying to initiate the process of getting rid of my PMI, but the company ( Ocwen ) has not been responding or telling me what to do. They are acting as if they are drawing out the process so that I have to continue paying PMI even though I do not have to. I have already paid my XXXX payment, which means my next statement should not have PMI on it. However, I have sent emails and gotten no response, and I have talked to customer service reps who say there is nothing they can do for me. I believe that Ocwen is purposely attempting to not help me in order to continue collecting money for PMI which I should not have to pay any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Years ago when they first harassed me about this issue I asked them to send me the application form where I signed that I understood that I would be charged extra for any pet damages since I had already paid additional every month to have my pet ( that would have been covered for damages ) Also, I wanted photos of the damages because the property manager had told me no one would be available for a walk through with me when I left the apartment so this whole thing seems like a scam to me to get money. They never contacted me again after I requested this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: it been over 19 months XXXX  new about the problem I I was robbed my id stolen and hacked. they had not been sending any bills through mail. at all or email So I have not been in XXXX for more than 19 months. I even question why I have not gotten a new card my old one was issued in XX/XX/XXXX. I called told them the problem they said the old account would be closed and a new one issued. but never was! so I called again and again talk to XXXX, XXXX, XXXX, XXXX  and they say they would look into it this was in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX they all told me not to pay anything at all until it was decided. so I did not! now a XXXX from corporate got involed and she said I owe more than 2,000 that someones been paying my bill and using my card. I told her what happen she does not believe anyone could do this! then she said I do not know what the billing or fraud department because its in texas and I do not control that or have anything to do with it she kept putting her foot into and getting deeper and deeper than she said I personal took over then she said I can not wipe the account because my computer will not do that. I wrote the ceo XXXX XXXX have not heard a word from him. XXXX has lied because a XXXX said from corporate it can be done and do not make payments then I get a call back from XXXX  she said I owe the full amount and she will not listen. it says on the statement any disupts and we page that explain do not pay anything. even on XXXX XXXX XXXX and others were talking about business not getting up dated, and the consumer not held. that were interviewing several ceo I should not pay this 2,000 0r more at all because no one knows what they are doing the headquarters is in wi state and billing is in texas and fraud in Ohio. I told them the problem and can not agree o what to do

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Mortgage (VA mortgage) with HOMESTAR FINANCIAL CORPORATION (FL).
Issue: Settlement process and costs

Complaint: I did a VA construction loan. The mortgage company allowed the contractor to overdraw the loan. The bank allowed the contractor to exceed the contract time line to complete the home without my permission. The Bank sent me all draw request the last XXXX the contractor did not complete the work and I did not sign the mortgage company still dispersed funds. The contractor abandoned the job. The mortgage company allowed for my to apply for the refinance to complete the home with a new contractor. The mortgage company agreed to finance the completion of the home. When the home was completed they refused to pay the contractor the agreed amount and said they would only agree to a 90 day loan. I was force to return to the original loan and pay the contractor the remaining funds which depleted my saving and maxed out my credit cards. Then the mortgage company stated that the i would need an additional XXXX for taxes even though the taxes were escrowed at closing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax Credit Bureau continues to allow XXXX XXXX to report fraudulent information towards my credit report. I have filed several complaints concerning this issue. My Equifax credit report has this account as a " charge off '', delinquent, and 90 days past due 26 times. This account was included in a chapter XXXX bankruptcy on XXXX 2011. The account has been paid in full. My complaint is with Equifax for allowing this company to report fraudulent information. I 'm requesting to see the documents Equifax received from XXXX XXXX concerning this account. In addition, Equifax has two XXXX 's accounts listed on my credit report. I had only one. The bankruptcy is public record and had Equifax done a thorough investigation, I would not be having to file another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Consumer Loan (Installment loan) with Main Street Personal Finance (OK).
Issue: Problems when you are unable to pay

Complaint: I took out a high interest title loan with Approved Cash, XXXX XXXX XXXX XXXX, XXXX, OK ( XXXX ) XXXX. I was 1 month and 1 day late on my payment, but intended to get caught up on payday XXXX/XXXX/2015. On XXXX/XXXX/2015 in the middle of the night they repossessed my car without my knowledge. They want the full balance, and will not accept payments to get caught up. I have possessions in the car, including the tag, that they will not let me retrieve them without paying a fee. They also will not let me know where the car is located so that I can inspect it before the sale next week. 

I asked them what the procedure was for claiming any funds left over from the sale after the balance is paid, and they said that they are not allowed to sale the car for more than what is owed on the note. The car has a blue book value XXXX to XXXX times the amount owed. I have never heard of an auction that has a set top dollar price.

Company response to consumer: Closed
Consumer complaint received 05/18/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XX/XX/2015I would like to file a complaint against NationStar Mortgage. They refuse to consider modify loan, that I now believe was inappropriate to begin with. I have been trying to get this loan modified for several years. The only reason they will not even consider modifying the loan is because I am not delinquent. If I can not get any assistance, I will become delinquent. I do not want to ruin my credit or become delinquent on the debt. 
When I purchased my home as my primary residence, I was put into an interest only commercial loan by Aurora Mortgage ( now Nation Star ) for 80 % of the loan amount. The interest rate was XXXX. In addition, there was a XXXX mortgage with XXXX Mortgage at a rate of 7.5 %. In XXXX of this year my loan will change from Interest only to Principal and Interest. I will not be able to afford this loan. In fact, I know believe it was inappropriate to put me in a commercial loan for my primary residence, especially since I have excellent credit. I was sold on this loan not really knowing what and why? 
Over the past several years, I have attempted to get these loans modified. I was told several times that no one would talk to me because I was not delinquent. In addition, it seems I am not eligible for a XXXX because it 's a commercial loan. 
I have tried everything to avoid damaging my credit and losing the property. Since I could not get the loan modified or refinanced, a few years ago, I rented the property and moved with family. The rental income covers the interest only loans, but will not cover the principal and interest payment amounts. I continued to try to get the loan modified to no avail. It was my hope to modify the loans and return to my home. 
When the loan was approved, it was based upon my stellar credit and my household income including my income and the income of my husband. I was told I could refinance this loan. In trying to modify these loans, I have had nothing but trouble because I have never made a late payment. In addition, I am now going through a divorce and my household income is reduced, however, I maintain my stellar credit. I am unable to refinance the loans because the value of the property is less than the loan amount. This is my last effort to try and get some help to modify these loans. I am in a situation at this point that if this modification does n't happen I will be forced to walk away from the home completely and allow the property to go into foreclosure. I know I can pay the modified mortgage amount as agreed. 
I keep getting the run around by rude people that stops my process of saving this house. I would like to modify it so I can move back into my home. I need help, quickly and I am resorting to you as I do n't know what else to do. 
RespectfullyXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a debt collecting letter from TRANSWORLD SYSTEMS INC. for a total of XXXX The letter was addressed to " NONE '' and the only telephone number for the company is a nonworking extension. 

I do n't know what to do about this or what it is even for.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been unable to access any of TransUnion 's services, dispute any information, or place a freeze on my file due to the fact that my current address is not on file with them. I have sent the multiple forms of documentation on multiple occasions. Some of which I received no response to, other times I received requests for the same information I had just provided them. Most recently I sent them a notorized letter certified mail ( so that they could not ignore it ) with the requested documentation attached. I mailed the attached letter on XXXX/XXXX/15 and received an attached return receipt indicating that they received my letter on XXXX/XXXX/15. In response ( although with all our correspondence it has become difficult to track which letter is in response to which letter ) I received the attached letter stating that XXXX or more of the documents that I provided them was illegible. I have attempted to call the phone number on the letter to verify my address through that method on multiple occasions, but they are " unable to retrieve the identity verification questions at this time '' every time I call them. I have grown tired of this endless back and forth with TransUnion and the expense of photocopy fees, postage, notary fees, etc. Both XXXX and XXXX were able to update my address with relatively little hassle on my part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. 

They have not responded, they continue to collect and report this debt as valid. 

They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. 
I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (VA mortgage) with PLAZA HOME MORTGAGE, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir, Madame, My Lender/ Servicer denied my request for help in any form of Loss Mitigation due to financial hardship caused by unemployment on two different occasions, the first one was last XXXX XXXX, XXXX when my application to KEEP YOUR HOME CALIFORNIA was denied because my servicer, PLAZA HOME MORTGAGE has not approved my loan for participation in KYHC Program. The second denial was XXXX XXXX, XXXX due to reduced income and not able to pay 12 monthly since XXXX XXXX, XXXX. I missed payments because I have to pay the REAL ESTATE LAW CENTER which I hired last XXXX XXXX, to negotiates better than I did for more than 5 months. Unfortunately, I listened from their advice to stop communicating with my servicer and stop paying my mortgage since they are doing the negotiations and I can not afford to pay the Law Firm and my mortgage at the same time. On XXXX XXXX, XXXX around XXXX I received a call from Loss Mitigation Department, the representative ( named XXXX ) asked me why I did not submit or communicate with them. I told them that I have a lawyer that should be communicating and submitting all the supporting documentations that I am supplying to my lawyer since I started hiring and paying their services. I feel devastated after I found out what really going on between my servicer and my lawyer that I paid {$4000.00} and as of this time is asking for $ XXXX monthly payment after I paid them already of {$4000.00} without positive outcome and also I have to pay filling fee for the case that we need to file to the court. At this time, My complaints are for my servicer for the delaying tactics they implement to my loan that almost ruins my 29 years of marriage life and caused XXXX and for the Law Firm I hired for unacceptable and poor services. Also, I wish to get back my {$4000.00} that I pay, in which half of the amount are from the Title of my car that I collateral to get cash quickly with an interest of 108 %. Because I received a letter from Law Firm stating that, they will close my case and not getting any refunds If I did not complete the {$4000.00} in spite of letting them know and sent them explanation letter that my 3rd months {$1000.00} monthly installments will be late. I have some evidence to support my complaints. 
I am a Veteran and I was trying to keep our home for more than 8 years, I just want my lender/servicer to give us a try- out period for loan modification and If I failed, I will not appeal and I will agree to the decisions of my lender whether its benefits me or not. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation