milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We own a house : XXXX XXXX XXXX, XXXX, CA XXXX. My wife has had difficulty keeping her job over the last few years and we have defaulted on mortgage payments. Our lender is Capital One. As a result we went through a loan modification in 2014. The modification was accepted and we made at least 12 payments and then she lost her job again and we defaulted. XX/XX/XXXX we asked to start a loan modification process again which the banjk agreed to. We were supposed to make 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which we did. However, the bank thought we were late on one of the payments and immediately put a foreclosure date on our property ( XXXX XXXX ). My wife argued with the bank that the payments were not late and they accepted that they had made a mistake. However, the foreclosure date has not been cancelled. We are moving ahead with the modification and are just waiting on the appraiser to contact us to inspect the property. We do not understand why the foreclosure date ( the date our property will be put up for auction ) has not been stopped. We keep contacting the bank and they are not going to stop the auction until the modification process is complete. What is meant by " complete '' I have not idea. We can not get a straight answer. They keep telling us not to worry and that we will be fine but meanwhile the clock keeps ticking. I think they may have not intention of giving us this modification and fully intend to sell the property. 
We have also found that what they are doing is called dual tracking and is illegal. I confronted them about this and they denied it was dual tracking. 
It should be noted that our outstanding mortgage is XXXX and the house is worth about XXXX according to XXXX. I spoke to an attorney and he said jumbo loans are treated differently. This makes no sense to me. 
I would like you to tell the bank to stop the auction date or at the very least postpone it. I do not know if you have the power to do this but I am hoping you do. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have hard inquiries that appeared on my credit report across all three credit bureaus TransUnion, XXXX, XXXX on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( TransUnion ) XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX - inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/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 09/18/2017 about Debt collection (Medical debt) with Eastern Account Systems of Connecticut, Inc. (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent a letter out to the agency on XX/XX/XXXX disputing a debt of {$1800.00} and with delivery confirmation, I knew they got it on XX/XX/XXXX. This letter requested the agency to send me all the information by law about the debt within 30 days. There was no response from the agency. On XX/XX/XXXX I had a letter sent out by my attorney regarding the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I was approved for a new XXXX card issued by a major bank. I immediately set up the account for automated payment, which was approved and confirmed by the bank XXXX ) days in advance of my first payment due date. Two days after the first payment due date my credit card was rejected by a merchant. I called the bank who said I must pay the first bill manually. I, of course, point to the automated payment being set up far in advance. They say " we sent you a message via e-mail -- you must pay the first bill manually ''. I never received such an e-mail, and regardless, I had the autopay confirmed. The bank then charged me a {$25.00} dollar late fee and interest *even though* I then immediately paid the balance in full *using the automated payment method already approved*. In my opinion, this practice is a scam perpetrated on pro-active card holders deliberately to generate fees with no other possible financial or risk mitigating legitimate purpose. The Bank was perfectly capable of using the autopay against my first bill but clearly wanted the additional charges and interest through this sleight-of-hand misdirection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. 

Note also that we never signed any paperwork with Carrington

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt validation was requested but collection agency never responded to request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2018, opening my email I discovered a notice from Bank Of America confirming a XXXX dollar transfer to XXXX XXXX. This was not authorized by 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 monetary relief
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: To Whom It May Concern : I am a new costumer with Caliber Home Loans and have experienced many issues with the mortgage company 's automatic payment system. There is a general lack of record keeping that is worrisome in such a way that the costumer can not view previous payments that have been posted or the financial transaction history. This has resulted in me having been double charged for a recent mortgage payment. In cases of automatic payments this is especially problematic. For example, for my mortgage payment in the month of XXXX, I had set up an automatic payment from my personal bank account. However, the costumer has no way of knowing whether a recent payment has been posted or is pending. Based on this, I made a payment manually. But the next day I had 2 payments posted back to back. Any other major credit systems have options that clearly display the next scheduled payment. Caliber does not.
The management team is also unresponsive. I have contacted Caliber Home Loans and asked to speak with supervisors many times. Their team members have told me that the company is notoriously bad at handling double payment charges and I should instead go through my personal bank to dispute the double charge. I have requested to speak with a supervisor, however, I have not been contacted by a manager and it has been two weeks since the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting the CFPB in desperation as I have been trying to obtain a loan modification since XX/XX/XXXX with no success. my loan is an interest only negative amortization adjustable rate mortgage. The home is worth {$280000.00} and with arrears owed from XXXX/XXXX/XXXX at {$220000.00}, I owe a total of {$640000.00}. I had been working with Aurora from XXXX until the loan was transferred to Nationstar in XX/XX/XXXX. I am denied over and over for different reasons. Most recently for insufficient income. Since XX/XX/XXXX, I was using my business bank account for deposits but I had my account frozen XXXX from a debtor I was disputing and was able to get the funds released both times but I have not deposited any money into this account as I getting the money released takes time which I can not go through again. I use XXXX and submitted the invoices with the check cashing receipts to match up and a quarterly profit and loss explaining this with the deposit details to help clarify. I have been trying so diligently for so long to get a modification and resume making payments and have gotten nowhere except now, there is a scheduled foreclosure sale on my home for XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Other bank product/service) with Comerica (CT).
Issue: Using a debit or ATM card

Complaint: MONEY WAS DEBITED FROM MY DIRECT EXPRESS DEBIT CARD WITHOUT MY CONSENT!! THIS HAS BEEN HAPPENING WAY TO MANY TIMES!! MY SOCIAL SECURITY XXXX INSURANCE BENEFITS ARE PLACED ON MY DIRECT EXPRESS DEBIT CARD EVERY FIRST WEEK OF EVERY MONTH. WHAT 'S BEEN HAPPENING IS I HAVE BEEN FINDING OUT THAT THERE HAVE BEEN DEBITS OF MONEY TRANSACTIONS MADE WITHOUT MY CONSENT!!! AND THIS HAS CONTINUED AND CONTINUED EVEN AFTER DIRECT EXPRESS WOULD ISSUE ME A BRAND NEW DEBIT CARD ALONG WITH THE CFPB BEING WELL AWARE OF THIS BECAUSE I 'VE SUBMITTED SIMILAR COMPLAINTS REGARDING THIS SAME ISSUE YET IT CONTINUES TO OCCUR. I WANT THIS TO STOP NOW AND I WANT ALL MY MONEY RETURNED TO ME AND ON MY NEW DIRECT EXPRESS DEBIT CARD IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Around XX/XX/XXXX, we apply for a Loan Modification with Bank of America because of Financial Hardship in our family and they sent us the paperwork fast to start completing  documentation in a timely manner. XXXX XXXX is our point of contact for any questions, concerns, etc. and his information will be in included in the uploaded document. As of today XX/XX/XXXX we already sent ALL the documentation needed to complete our Loan Modification process and a few days ago BofA sent us an important information that our Home Loan will transfer to XXXX   XXXX XXXX, a division of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Based of customer reviews ( many reviews on their websites ) XXXXXXXX XXXX XXXX, a division of XXXX XXXX XXXX, XXXX after receiving the home loans from another financial institutions they ALSO transfers the home loan again until the customer is at the point of no return to their houses because the monthly payments are " impossible '' to pay. 

My understanding and per our Reforms in the California Homeowner Bill of Rights BofA can't  transfer our Home Loan to another Servicing/Lender. I keep calling and leaving messages to XXXX XXXX via phone, email and I also needed to escalate to the Call Center Manager asking for XXXX XXXX 's Supervisor. I sent a message to XXXX 's Supervisors and I still not getting any answers from any of them. 

Then after, I called the Customer Service extremely worried an one of the Service Representative from BofA told me that usually this is been happening very often in the last two years with BOFA ( sending letters to customers letting them know their home loan will transfer to another servicing/financial institution ) but at the end and almost 24 to 48 hours that transfer is cancelled without notifying the home loan customers, its very confusing and I don't think it's the right thing to do. We are currently living on our property and its a single family own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Funding keeps contacting me by phone constantly and mail after being told not too clearly breaking credit collection laws. Also the balances the are collection are illegally inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Was unable to gain information on my account by both the XXXX XXXX XXXX XXXX XXXX or its servicer, Heartland ( f/k/a XXXX XXXX ). I was suppose to receive this information sometime in my 6 month deferment period after I graduated. After not receiving it by XX/XX/XXXX, I tried contacting both institutions to get the ball rolling so I could get payments going. After numerous contacts I was assured the information was on the way to me. I tried again in early XX/XX/XXXX to get payment information and Heartland would not help me unless I had an account number. So I waited some more time for the information to get to me. In XX/XX/XXXX, I got an alert on my credit report that an account had been reported negatively ( 30+ days past due ). I was able to research the servicer to a correct website and able to access my information to set up payments. 

Website # 1 : https : //heartland.ecsi.net/ Website # 2 : XXXX XXXX XXXX XXXX  In late XX/XX/XXXX, I received a final demand notice from the company to make a payment to the loan because I was able to update my personal information since the servicer had an outdated address. I tried calling Heartland to resolve the late payment credit bureau reporting due to the inaccuracy. The representative referred me back to the university and would not even attempt to look into the issue nor would offer any assistance to correcting the error out of my control. He kept saying that the error in credit reporting has to be done by the university, which they do not have any control of. 

Also, when I made the payment, Heartland charged a pass-through fee for " convenience '' made by a XXXX debit card. I do not believe that fee is legal since Heartland is not a government entity nor a not-for-profit organization since they retain the interest/late fees made on the loans they service. If my understanding of the old XXXX operating rules and the new EMV rules are in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (Non-federal student loan) with URS Holding, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company ( ERS ) has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call cadence.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Numerous entries on credit report for the same account/loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (LA).
Issue: Confusing or misleading advertising or marketing

Complaint: After their reinvestigation on my credit files. They stated that the items have been deleted from my credit files. That they have taken all steps that the items will not reappear. I have sent in there letter head with their name on it showing that this is your company LOGO, stating that these items will not reappear, but a year later they come back up. I have faxed documentation to them showing what their results was. Please asked them to take care this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX  same time I disputed these items with this credit repository. XXXX removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted Equifax via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my Equifax credit report. I have made multiple calls to Equifax requesting removal of the account and they have still neglected to do so. Equifax is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX/XXXX/2015, firm contacted my estranged spouse who I never gave as a contact on my loan documents and told him that I wrote a bad check and were attempting to get in contact with me. He texted me their contact number and I called because I knew I did not have any checks written to any company for any reason. Spoke with an agent and they placed a male coworker on the line and he stated that he was the attorney for XXXX and I was being charged with fraudulent check and fraudulent use of a closed bank account and they were processing papers to have be arrested within a week.

Company response to consumer: Closed with explanation