milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Billing disputes

Complaint: Credit Card was lost prior to business trip. I reported lost and then later reported charges that were not mine. They are XXXX charges, XXXX for {$130.00} from safeway, XXXX for {$10.00} from safeway, and last one from XXXX for {$13.00}. ( posted XXXX and XXXX 2015 ) Capital One did nothing to actually investigate the issue. They instead made up there minds immediately that the charges were valid. I was sitting in an airport or in another city when these charges were reportedly made. Capital One was negligent and refuses to do anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX my lawyer sent a letter to Fay Servicing that they provided incorrect information to the credit reporting agencies and to have it removed for both my mother and myself as we were both borrowers on the loan from XXXX. A DEED IN LIEU OF FORECLOSURE was provided by XXXX XXXX, XXXX who was my service provider with an agreement datedXX/XX/XXXX as recorded by the court in XXXX XXXX, Florida. Subsequent to the deed in lieu, the loan was erroneously transferred to Fay Servicing as the deed in lieu was executed prior to the transfer. 

Fay Servicing responded back on XX/XX/XXXX stating that they were in error of reporting the loan and they stated that on " XX/XX/XXXX the account boarded our system via transfer of servicing from XXXX. Prior to the transfer, a Deed-in-Lieu was executed however, we continued reporting the account as delinquent to the credit bureaus. '' They assured that it was removed from the credit bureaus and they would not report it in the future, however, I logged in to check my credit report while applying for an auto loan which I was denied for. I realized that Fay Servicing is still reporting the inaccurate information to XXXX - after 3 years later. 

I want this removed immediately as my credit has been damaged over the last 3 years due to Fay Servicing erroneous addition of this loan showing delinquent on my credit report. This should have been fixed when my lawyer addressed this back inXX/XX/XXXXand should have never been reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am very confused as to why I have student loans from Navient Department of Education and they did NOT pay the University that I was attending for the Fall XXXX semester. The university NEVER received the money but I still have to pay back the loans that I never received. Another thing is that I did not attend the university for the XXXX semester because the university did not receive the full tuition payment. So therefore I had to leave college because of financial issues due to loans that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was on a website the other night looking at information for a credit card from an ad that was supposed to be a " pre-approval ''. Once I realized that the company was going to do a hard pull on my credit report I backed out of the application. Some time later I received an email stating that I had a new inquiry on my credit report. 

Once I contacted the company directly from the information provided on my credit report ( XXXX/XXXX  XXXX, DE XXXX ( XXXX ) XXXX ), they claim that they can not remove the inquiry from my credit without stating it as " fraud ''. The rep I spoke to states that her supervisor informed her that they will have to investigate which will take up to 30 days but can not guarantee the inquiry will be removed. Again, I explained to her that I not someone else backed out of the application, that there should not have been an inquiry in the first place. 

The rep became short and advised " I just have to wait '' to see what her supervisor decides. If it was not " fraud '' then it has to stay on my credit. Further in conversation I again advised the rep that the application should have been deleted and not processed since I backed out of it. She informed that there was nothing else that could be done. This is unacceptable, since I backed out of the application before hitting the submit button. I 'd like to see this inquiry removed from my credit report expeditiously.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/2017 Gateway One Lending made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is reporting XXXX XXXX XXXX - XXXX on my credit report when it was deleted from the other XXXX reports. I have contacted this collection agency and they have failed to provide proof that I owe this debt. XXXX and XXXX deleted it because they lacked proof. 

Experian is the only credit report that is reporting XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX and XXXX - XXXX. I am not sure how these XXXX accounts were able to be verified by you and but XXXX and XXXX deleted it. 

I also need help deleting the following names that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also need help deleting the following addresses that are incorrect. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: In XXXX I purchased a property IN FULL, IN CASH from XXXX XXXX. According to the XXXX XXXX in MA, XXXX XXXX could not legally sell me the property, because they had not yet correctly completed the Foreclosure process. I was issued a Cert of Title declaring the property free and clear, but as it turns out it was not. I have lost tons of money, and my family is suffering greatly over this matter. WF lies and denies involvement in the matter on paper. I possess a written declaration from XXXX XXXX from the WF Ex Office declaring that WF has never, nor do they now have any stake in this property. ( Please see attached " Answer of MERS & Wells '' doc provided to prove this is a lie ). I need help in recovering my losses over this property. Can someone PLEASE HELP ME and my FAMILY! PLEASE! 
" All of this arises out of the MA Land Court 's spring XXXX decision in XXXX. The decision was affirmed by the Supreme Judicial Court in XXXX. The effect of the decisions was that foreclosures had not been done properly. 

The initial foreclosure in this case was done around the time of the Land Court 's decision in XXXX. The lender realized that it had a problem and then attempted to remedy the problem by re-foreclosing. 

When they re-foreclosed they did not do so in the name of the grantee on the initial foreclosure deed. 
The following explanation makes it defective. 

The mortgage was assigned on XXXX/XXXX/XXXX - the date that the assignment was executed. 

The first publication was on XXXX/XXXX/XXXX. Therefore the foreclosure was defective and the mortgage passed to XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX Securitized Asset Backed Receivables XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. 

The subsequent foreclosure was conducted by XXXX XXXX as Trustee instead of by XXXX XXXX, as Trustee under Pooling and Servicing Agreement dated as of XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Pass Through Certificates Series XXXX. '' - XXXX XXXX, XXXX XXXX, XXXX, Title Insurance Lawyer representing XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Other mortgage) with CHARTER CAPITAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Fraud, Financial Identity Theft and Civil Theft of a Note. 

The Trust does not exist : XXXX XXXX XXXX XXXX XXXX XXXX. Please note that the trust first registered securities with the SEC in XXXX XXXX. However, the trust filed a Form XXXX Termination of XXXX XXXX XXXX in XXXX. 

NO LEGAL STANDING Charter Capital Corporation in XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charter Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Asset Backed Certificates, XXXX XXXX alleged, Holder, Attorney in Fact, but not Holder in due course using a void Note.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (I do not know) with Penn Credit Corporation (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A debt collector, Penncredit, continues to call my home telephone number regarding a debt that I do not own. They claim the debt is for my father, who has never lived at my home. I have stated that they have the wrong phone number and they continue to call my house all throughout the day, everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: i was approved for deferred payments and i still was billed late statements after accepting my payments this happened on 6 occasions please credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX - CMS acquired my mortgage from XXXX XXXX - Agent contacted me to discuss FHA Streamline refinance options from XXXX office. 

XXXX - Moved forward to closing after delivering all paperwork required. Initial signing botched by Notary. Closing rescheduled for XXXX. " Bring to closing '' amount refunded. No other concerns reported. 

XXXX - Calls start coming in about " why I have n't paid my mortgage '' ( were told we would skip XXXX payment as part of the closing ). Emailed Sr. Loan Officer on XXXX to ask about calls. He responded on XXXX saying it was normal, procedural, and not to worry, all was fine. 

XXXX closing - signed all papers with new notary. She sent them off. Called Sr. Loan Officer to discuss higher " bring to closing '' payment required. He explained that amount was probably designated to cover previous XXXX payment that was skipped, and now we would be skipping XXXX payment instead, new loan starting in XXXX. Sent off closing amount as cashier 's check a few days later ( once refunded check cleared bank ). 

XXXX - received collections call from Carrington Collections department. Asked why I have n't paid mortgage in two months. I explained that we were refinancing ( as I had before ). Was told that there is no record of refinancing, and anyway, we are not qualified for refi because of missed payments ( we do n't miss payments - only skipped because told to! ). Reach out to original loan officer. No answer. Reach out to Sr. Loan Officer. No answer. Reach out to their boss. No answer. Emails. No response. 

XXXX - Receive a check from Carrington via certified mail dated for XXXX XXXX for exact amount of " bring to closing '' fees. Multiple calls placed to all loan officers. No answer, nor any call back. Reach out to Carrington customer advocate dept. Told situation looks unusual, told he could see a request for origination/funding the loan, but loses the trail there. Advocate reached out. At last check, XXXX, no further information given. 

XXXX - Negative credit report notification via XXXX " protect my ID '' service. 

We followed all instructions and signed in what I thought was a legally binding, notarized closing. Now we are in default with credit action being taken against us, no one will pick up the phone or call us back, and no one seems to have any answers. I am appalled and disgusted with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: Hello. Ihave had a Macys card for decades. Almost always I pay the card in full every bill. For the last year or so ... I receive the bill online. I log on IMMEDIATELY and pay in full. However, the nenxt month, without fail, I am billed anywhere from {$1.00} to {$5.00}. I then have to call and ask what this is ... as I have paid the bill in full the same day it was received. I am told it is interest. I tell them I have paid the bill in full as per the EXACT amount they billed. The rep has waived the interest lately but today I have another bill for {$300.00}, and it is the same thing. It is a holiday and I do n't want to have to deal with this again. This seems illegal and certainly unethical. I have every email and bill and payment saved for verification of the payments made. Can something be done about this? Why show an amount due on a bill ... it is paid well before it is even due and then there is some arbitrary balance? The Macys card seems to be through Citi. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FRANKLIN AMERICAN MORTGAGE CO. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I had called in to customer service because we had issue trying to make our XX/XX/XXXX payment online. After speaking with an agent, she informed us that it was due to us being approved the loan modification program, which would lower our payments. During the conversation, I was informed that we did need to make a payment until our XX/XX/XXXX payment was due, on XX/XX/XXXX. When XX/XX/XXXX rolled around we noticed that our XX/XX/XXXX payment we into a past due status and I contact the company again to resolve this. At that time I was informed that the call would have to be reviewed, and the agent did see the notes clearly on our account that stated we were informed no payment was due until XX/XX/XXXX. He even mentioned it would take about a week to review and to call back. A week later I called back and was informed it was still being review, and to call back. I gave it a few more weeks and called back the end of XX/XX/XXXX to make our XX/XX/XXXX payment over the phone, and scheduled it for XX/XX/XXXX. At that time, the agent after asking about the status mentioned that it was still being reviewed, and proceeded to inform me that it would be updated on our credit that Franklin is working with us. That is incorrect, because I pulled my credit report this month as a result of the Breech, and we are still showing
30 and 60 days past due, for XX/XX/XXXX and XX/XX/XXXX. We in good faith, did exactly what we had been advised by the rep in XX/XX/XXXX and made no payments until XX/XX/XXXX. We have even during this period of time left message on the online messaging system to seek a resolution, which all 3 have been clo
sed with no outcome or response from Franklin American. The first inquiry online was on the old system and got purged, on the consumer side, when the new website went live, the other 2 have been closed. One indicating we need to verify who we were, which we did when we signed into the account. The second request on the new system was again an attempt to resolve, and was closed with no comments on outcome.

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 03-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In 2009 my stepson, XXXX XXXX, was attending XXXX XXXX XXXX XXXX in XXXX Oregon. 
The school shut down before my son graduated. The owners of the school were siphoning money from the student loans into there Construction Business and ended up in criminal court. My son never finished the program is was left in debt to XXXX XXXX for {$28000.00}. with nothing to show for the investment. I would like to consolidate the private student loans at 8.5 % and 10 % with XXXX XXXX and get a more favorable interest rate ... .but no one will touch the loans because my son never graduated. Is there anyone in the banking industry that will consolidate private student loans ( XXXX )?

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This is the  2nd time I have seen  a  XXXX , Texas address on my credit report or credit score and I have never lived in  XXXX , Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Insurance payment from my escrow account was not made in time to my insurance company thus leading to late fees and cancellation notices to homeowner. Monies were withdrawn from my escrow account TWICE ( XX/XX/XXXX & XX/XX/XXXX ) thus lowering the escrow account value below allowed limit allowed by Federal law. This appears to be an error since the money was placed back into the escrow account at a later time ( XXXX ). The error does impact the calculated low value for the escrow account unless special provisions are taken. This new " low value '' for the escrow account will or may cause damage to me by increasing my escrow required payments next year after the annual escrow required payment calculation. 

Late fees of {$10.00} were added by the insurance company. 

Cancellation notice sent to me by the insurance company. 

I continue to get letter in the mail requesting that I pay the late fees to my insurance company ( XX/XX/XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Have been making payments on and off since  XXXX  when funds are available to  XXXX   XXXX  which now is Navient.   Since  XXXX  I have made reoccurring consistent payments to   XXXX    XXXX   XXXX  which is a collector for Navient. Navient claims they do not know who this agency collection is and has no business with them.   My private loans were rehabilitated in  XX/XX/XXXX , however payments are still coming out of my bank account and neither business can explain where this money is going.   Navient claims they do not have my loans and neither does  XXXX   XXXX . NO  ONE  can tell me where in the world my loans are at.   I have been getting non stop harassment phone calls from Navient who have stated they will take me to court and also to jail. Navient has also told me they did not care where I got the money from and basically told me I need to become a  XXXX  to collect money for them.   I have been so scared about this company I am in fear of my life and afraid to even answer the phone Everyone at Navient either ca n't hardly speak English or just screams and THREATENS me.   Navient has also been calling my  XXXX  yr old grandmother and have THREATENED her as well. My grandmother is fearful of this company and what lengths they might go through to hurt her.   Being currently unemployed for the last  1 1/2  years my finances have depleted and I have tried to explain multiple times to Navient that I do not have money to give them and they just repeatedly tell me they do n't care where the money comes from as long as they get paid.   Somehow in the last year  Navient  has told me my loan amount has tripled and how is this possible when I have not taken out any more money and I had reoccurring payments monthly.   I do not know what to do. I would like to do the right thing. BUT, being in fear for my life from being THREATENED MULTIPLE times from the people at Navient I just do not know what to do.   I have reached to a local lawyer who have said he basically can do NOTHING. I am in need of advise and to feel safe once again.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Managing the loan or lease

Complaint: For this loan I ca n't access any of my information also they wo n't send me copy of my agreement

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I own XXXX XXXX Bank of America XXXX and XXXX of them got charge with {$59.00} annual fee. Contacted the Bank to have the charge removed and to close the account. No sense on having XXXX accounts. The Bank gave me several excuses which did not make sense and finally escalated the case ( # XXXX, tel no. XXXX ). The escalation resulted in the Bank telling me that only Spirit can remove the charge. Contacted Spirit and I got redirected back to the Bank. Find attached e-mail from Spirit. I am between these XXXX institutions a no one wants to remove the charge. This is a charge for next year services and I do not want these services.

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 monetary relief