milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2015 about Bank account or service (Other bank product/service) with NORTHERN TRUST COMPANY, THE (FL).
Issue: Account opening, closing, or management

Complaint: Northern trust of XXXX XXXX representatives habitually fail to respond to letters, certified or otherwise, about concerns with open issues in relation to my father, XXXX XXXX XXXX 's estate, turned over to Northern Trust of XXXX XXXX in XX/XX/XXXX. 

An E-Mail was sent to Northern Trust headquarters in XXXX on XXXX/XXXX/XXXX, asking if there would be someone who would be willing to discuss my concerns before a complaint goes public with the Consumer Financial Protection Bureau, the only response to which was an acknowledgement of inquiry, copy attached. 

There has been no response to a certified letter, addressed to the executor of my father 's estate at Northern Trust of XXXX XXXX, a copy of which would be attached, again documenting the open issues with the estate, as well requesting specific documentation required to perform an accurate accounting of my father 's estate. 

Consultation with several Florida estate attorneys resulted in complete assurance that as a beneficiary of the estate I have the full legal right to such documentation. 
Are you aware of any national investigative journalists who are, or might be interested in, investigating estate management companies such as Northern Trust? 

The idea that so much effort must be applied to simply request Northern Trust of XXXX XXXX to perform according to their legal responsibility would be oppressively offensive. 

My father who was an estate lawyer all his life must be rolling over in his grave after surrendering authority over his assets to Northern Trust of XXXX XXXX. 

The transfer documents for the sale and distribution of my father 's portfolio would have taken me less than a week to process. 

The sale of his condo could have been easily handled by a real estate agent. In fact the condo was sold to the only person who ever showed interest in the condo for {$60000.00} below appraisal value, without ever being publicly listed. 

That this matter drags on for sixth years would be an abomination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with TIAA, FSB (IL).
Issue: Closing on a mortgage

Complaint: Everhome Mortgage ( Loan # : XXXX ) Two complaints : 1 ) Everhome was responsible for my taxes and insurance through an escrow account. XXXX XXXX taxes ( XXXX ) second installment are due on XX/XX/XXXX of every year. Everhome did not pay the taxes. As a result, the taxes were accruing interest and penalties. I had to go to XXXX XXXX XXXX office myself and pay the taxes in full while Everhome held my escrow money. This included a penalty that Everhome refuses to reimburse me for. 

2 ) Due to servicing issues with Everhome, I paid off and closed my mortgage with Everhome on XX/XX/XXXX and Everhome was supposed to send me a check for my escrow refund. I never received the check. After more than 20+ attempts calling them to receive the escrow fund, as of XX/XX/XXXX ( almost one full year later ) I have still not received a refund of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017, {$300.00} were withdrawn from my business account with Bank of America. I did not withdraw that money. When I logged in to my account I noticed that amount was withdrawn from a XXXX ATM, I called it in. I was asked questions, some of those questions included if I had lend my card to someone or if it was lost, but no I had it with me at all times. They said they would investigate, time passed and they said the investigation concluded that it was me or someone that I knew had withdrawn. I insist that is not the case, something is going on, and they are not cooperating with me. I please would like further investigation on this situation, because I want my XXXX dollars back and plus the XXXX fee I was charged for uncifficient funds on my account because of this withdrawn. Thank you Date of withdrawn : XXXX XXXX, 2017

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 03/30/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting negative information in my file and I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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: I contacted Neiman Marcus credit by Capital One about charges that are not valid and they refuse to do anything about them

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Customer service / Customer relations

Complaint: I filed an dispute with Capital One Bank on XX/XX/2016, XX/XX/2016 and XX/XX/2016 and I not received an response back. 
This is what I said in my dispute. 
" First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, and Capital One Bank. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to report this purported debt to the CRA, such action will be in violation of the Fair Credit Reporting Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization. Your answers were condescending and I WILL be sure to report this negative response to the OCC, CFPB, and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DID NOT ever had any contractual obligation to pay YOU, at this point as you have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 

Your compliance with my demand that you remove this item and discontinue collection attempts is anticipated. 

Capital One never responded to all of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with Global Payments Check Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with KEYCORP (WA).
Issue: Account opening, closing, or management

Complaint: I opened a new Key XXXX Checking account because of the promotional bonus being offered to new customers. The stimulations were as follows : Make XXXX direct deposit of {$500.00} at the minimum within 60 days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit XXXX gift per qualifying account. Limit XXXX gift per individual. The value of your gift will be reported on Form XXXX. Your gift will be deposited into your account within 90 days of meeting requirements. If you close your Account within 180 days of account opening, you will be charged a {$25.00} account early closure fee. You had to open the checking account with a minimum of {$50.00}. No problem, I have a great job and thought it will be easy to meet the 60 day deadline. Then I got into a automobile accident! I sustained a XXXX and as a result have been unable to work, my doctor has n't even cleared me to drive. Now obviously I wo n't be able to get a direct payroll deposit into my new checking account since I 'm not working. I thought that would n't be a problem, surely Key Bank will understand that an unforeseeable circumstance with my healthcare providers documentation should mandate a workable solution, right? No, Key Bank absolutely wo n't budge. I offered to transfer the {$500.00} from my primary bank account in order to fulfill Key 's requirement but they said they ca n't. I have worked XXXX a number of years and bad things happen, it is Key Banks job and responsibility to see that I am taken care of as their customer without us little guys they 'd be out of business. I further asked that if no resolution could be made that they refund my {$50.00} that I initially deposited to open the account without a penalty charge {$25.00}. They refused. I ONLY opened the XXXX Checking Account because of Key 's {$200.00} sign up bonus, it 's a great deal who does n't want a bonus. But all the bonuses in the world ca n't buy good business practices. They wo n't buy honesty, integrity or standing behind your word, your people, your brand, your company. By not having good customer service and representation a company is robbing itself of the very essential component ( s ) to keeping its doors open. And customer service without representation is empty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: I sent a certified mailing to Nationstar Mortgage company and they received it on XXXX XXXX 2016. A XXXX XXXX signed for it per the returned certified mail documentation. 
This mailing pertained to a document they were supposed to sign for my refinance process. 
I have not yet received any return document in the mail from them. 
I have been in telephone conversations with various agents of Nationstar and no one can tell me about this particular document that I need to finish the refinance process in about 2 months, when it normally takes about one month to complete! 
My main agent is XXXX XXXX at XXXX. He has tried his best to remedy this problem with the head office and he says has had no luck. 
The main issue for me is that no one has contacted me with any information ( except for XXXX ) to let me know if there is a problem with the document or anything else!! 
I 'm just not sure what else to do at this point!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, TX XXXX has been vacant for more than 12 months and has become a health and safety hazard for the community. The property is not well maintained and the HOA is not able to collected needed assessments from this property to help pay for services the HOA provides the community to help maintain property values.

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 08-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX violations from Ocwen Loan Servicing, first is a violation of the FDCPA in over contacting me ( 5 times in a 7 day period ) and I have been lied to when requesting to be able to pay my own homeoweners insurance and removing it from my escrow payment. 
Third, I have been viloated in my privacy under Graham Leach Bliley Act, when Ocwen without my permission contacted my insurance company and conducted business without my expressed written or verbal consent

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: With respect to the Income Based Repayment options offered through studentloans.gov, I have experienced issues, delays and problems every time I have applied or sought to renew or re-apply for Income Based Repayment through studentloans.gov. They make the application process over-complicated which I believe is intentional or at the very least, unnecessary. For example, I recently learned that my payment to Navient would double despite the fact that I filed for Income Based Repayment two months ago. The reason I was given was that I could not verify my spouse 's income which is laughable since my spouse 's income was imported directly into the application from the IRS ( I file jointly ). I would not have indicated that I could not verify my spouse 's income. This is the third time I have had issues related to my spouse and my application for Income Based Repayment. Rather than being reported in default and/or suffer the consequences of negative credit reporting, I recently paid the higher amount. This is a glaring example of how Navient and others extract money from borrowers and discourage income based repayment plans. I will attempt to discern how to rectify my current income based repayment issue through studentloans.gov ( I will have more issues next year without question ) but want to point out the questionable and deceptive lending practices. When I spoke with Navient today they were perfectly able ( through the " back office '' ) to determine the supposed problem with my income based repayment renewal application but did not offer to lower or adjust my payment for this month either now or when I rectify the purported problem. Rather, they point the finger at studentloans.gov and claim that my next payment will be lower if I go online and resubmit my IBR. Will see. Very convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: u.s bank home mortgage just removed XXXX in debt from purchase amount, but still reporting on my credit reports im 90 days late when i 'm current and trying to refinance with a new lender also i have a civil case pending and was ordered to buy a car and i can not buy another vehicle until i refinance this home u.s. bank are not updating everything correctly in the system yes balance left owed is XXXX but i 'm not 90 day late, i owe this month only and my time clock is running out on what a judge in another case has told me to do.

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 08/31/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: I received my approval letter from Wells Fargo for a mortgage on XX/XX/XXXX. I 'm on XXXX and have been since XX/XX/XXXX. They kept telling me that I needed a job to qualify. I work a part time seasonal job for the IRS. I usually start work in XX/XX/XXXX, but my job said going forward i will start in XX/XX/XXXX WF was going to give me a XXXX day extension to get a paycheck to qualify when i start next month. Because I can not start until XX/XX/XXXX, they declined my application Friday XX/XX/XXXX and closed it. This was after starting the loan process way back on XX/XX/XXXX. The only debts i have are XXXX credit cards totaling less than {$400.00} between the XXXX, thats it!! And my XXXX is XXXX monthly. I 've paid them {$620.00} for the appraisal and also paid XXXX homes {$1000.00} for a deposit. I knew before even applying that they could use just my XXXX income, but they kept telling me " no '' you have to have a job. Who was I to question the loan officer, they should know this info more than I. I 've had issues with the loan XXXX from the very beginning, by him not answering my emails or phone calls. I complained about my treatment to Wells Fargo 's board of directors on XX/XX/XXXX and have spoken with XXXX XXXX. She was great in following up with me and after that..the loan officer finally sent me an email giving me the steps of the mortgage process, because I never knew what was going on. I sent Wells Fargo an email yesterday stating that I will pursue a lawsuit if they do n't reopen my application and move forward with the loan. She called me this morning because I had left her a panic stricken phone message on Friday, thats the day the loan officer called me to say they declined my application. She was n't calling about the email, but the phone message i 'd left. She said she would try to hunt down that email and then get back with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: we have lived in our home for 30 yrs. We are XXXX & XXXX yrs old. We have a son that is XXXX old who is a XXXX individual of XXXX. We have been scammed by our mortgage co as they have altered the income information greatly. Took my wife off the mortgage when she was the main source on income. Have a XXXX mortgage and we never took any money out of the house. My income was {$800.00}. per month from my part time job. The bank altered it to {$8.00}, ooo. per month. I did have an attorney look at the original loan documents and she has told us that it does most certainly appear to be fraudulent and it would take thousands of dollars to proceed. we do n't have the money we are broke. We would like the bank to make good on their error asap before foreclosure as the pressure and the stress at our age and XXXX are too much to bear any longer. We tried for a loan modification XXXX times with and without help with no success. They always needed more info or the info expired it was a two year process. I hired a group of lawyers to help us and they scammed us and also made us enter into a credit card program that was also a part of their scam. They are all under arrest and have been indicted by the XXXX XXXX XXXX 's office. that was over {$21000.00}. we lost. we have been in contact with that XXXX 'S office XXXX times after all their assets are seized some monies could be refunded to their victims. This has been going on since XX/XX/XXXX. We have no money to get a mobile home in a XXXX community, and we can not get any financing because our credit scores are not high enough and that is what I want to do. I am not looking to get rich over this but some money to buy a mobile home outright and some money for the anguish my wife and I have suffered would be satisfactory as this mortgage company has not helped us at all of even shown us some compassion from the beginning. They sold us a mortgage they knew we could not afford and would eventually foreclose on us. They know they are wrong we had an attorney put a cease and desist order on them as they were calling XXXX times a day and having me explain it over and over again. They have called some XXXX times since the cease & desist order was placed on XX/XX/XXXX. 
I am really at the end of my endurance financially, emotionally, and self worth their is nothing else for us to do. Soon we will be homeless I never thought my life would end this way after all the years of hard work this is what we have come to in our lives Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These date I tried to get the original contract, but they ca n't provide anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and to have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.

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 07/19/2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation