milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is very simple. My mortgage was discharged under Chapter XXXX bankruptcy in XXXX 2011. Bank of America and its subsidiaries continue to pursue collection activity even though I have sent certified mail telling it to " Cease and Desist '' all activity. Most recently I got notice that my alleged debt was transferred to XXXX. This company is a complete fraudulent racket. They provided new mysterious escrow for tax purposes. Under Federal law protection I want all communication to stop immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with SQUARETWO FINANCIAL CORPORATION (VA).
Issue: Customer service / Customer relations

Complaint: I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX at one time two collection agency XXXX and Cach LLC was trying to collect from me for the same credit card, after contacting court and you ( CFPB ) one of the attorney from XXXX contacted me and I am actively paying them, Cach LLC continue to send letters with the same account # and different amounts, every time they call me I tell them I am already working with XXXX. at this point I feel they are harassing me, they are also on my credit report, I would like to have them ( Cach LLC ) off my credit report and stop all the unnecessary collection letters

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing another complaint with Transunion. I ask this company to verify how and who verified a Bankruptcy on my credit report. I need this information and per the FCRA, Transunion by law is required to provide this information. I am not asking for any information from any creditor. I am asking how did Transunion verified such information.

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 06/15/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am also a victim of Green Treen and Ditech charging {$12.00} for the my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My complaint is against Equifax for improperly protecting my information during their recent breach. As a consumer I expect that my personal information should remain private and a company who monitors my information should be held responsible for failing to protect my private secure information ( SSN, Name, DOB, Address, Credit rating and current accounts ).
On X/X/17 I got confirmation from equifax website that my information was potentially compromised in their recent hack. 

This company was looking to avoid class action lawsuit by making me opt out of any litigation just to get assistance. This is unfortunate and I will not be opting for their credit protection service. If they ca n't protect my information now I do not trust them to do so in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: First of all I would like to make it clear who I am, although I doubt very highly Google does not know who I am but my information : XXXX XXXX XXXXXXXXXXXX ( Google Billed this email to the bank alone XXXX flagged account without contacting me 16 times. Google stated that I did not tell them in the time allowed, blamed my family, the bank, XXXX XXXX and now I am providing the person that was linked and logged into my XXXX device ( that is a google owned XXXX operating system ) as administrator. That I had to figure out myself. I have asked repeatedly what the number was that was logged into the phone because it just said XXXX. Nobody would tell me. This person on his XXXX page worked or works for google as a driver and is able to bill through the google system. Since he was logged in as administrator and I have no clue who he is it proves he is apparently tech savvy enough to be able to do that and google is assisting him. If not why would google repeatedly side step the complaint to close it. why would all google wallet charges be deleted that I have copies of from the original date I found out. I want google to help me and protect my information yet for the last three years repeatedly i have numerous log ins from places I am not. Please answer why this person is on my account. There is no possibility of Google not knowing they have actually stated OH there is a duplicate account to say oops made a mistake it didnt happen sure it was n't your family. Google stated they refunded all monies well half was refunded does that mean on top of the entire total he got an extra XXXX or was it not refunded. I was also asked for a case id given by google I will provide that but im not sure which one. would that be the case Id in XX/XX/2014 when I found out and notified google or would that be the final email sent three days ago that I still have n't had a response on. Try these if you would like others go to the 6 other complaints with CFPB that have full documentation to prove what was done by Google to assist this man in destroying my life!

Also if Google would of looked at the attachment, the compromised email is listed before the fraudulent account number. I guess it was n't important enough for them to look! There should be no problem figuring it out now! RE : [ XXXX ] RE : [ 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 non-monetary relief
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've requested via online disputes as well as calling the credit bureaus to delete  XXXX  incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information

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 11-08-2017 about Debt collection (Other debt) with Weinman Acquisition Group (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Most recent XX/X/17 but has been occurring for months XXXX XXXX XXXX ( XXXX XXXX ) claims they are a process server to serve me papers filed with the county. They have attempted to serve me several times and will try one more time. 
They state they will be stopping by my where abouts. 
Nothing is filed in county. XXXX is public record When I called I told them they were in violation of the FDCPA and I would be filing a report they hung up on me stated I cursed, which I never did. I got yelled at saying quit playing the victim, you should n't have married a deadbeat, you just took a XXXX XXXX XXXX XXXX. 
I again stated this is past the statute of limitations ( 5 yr Oklahoma ) but proceed how you need to I will be filing a complaint he said you do n't have my permission. I stated the his permission was not needed. 

I have called them several times to try to resolve the matter and stated this is past the statue of limitations but continue to call, threaten, and harass me and my current spouse who had nothing to do nor ever did with this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The company XXXX sold my account to a collection agency by the name of XXXX, XXXX ( XXXX XXXX XXXX ) and I paid the account off through that agency on XX/XX/2016 in the amount of {$240.00}. XXXX XXXX has updated that info and removed it from my credit report while XXXX refuses to update the account nor remove it. I have spoken to reps with XXXX and they wont even listen to me. This account needs to be updated in their system and also removed from my credit report just like the company that they sold my account too.

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 11-01-2017 about Vehicle loan or lease (Loan) with STATE FARM BANK, FSB (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: The prior selections did n't customly fit my issue but I tried to select as best I could. I just wanted to know if there are any standards in place regarding who should obtain the title of a used vehicle purchased. Here 's what happened to us. I signed with my son for his first used vehicle financed and State Farm issued funds without ensuring a title. The car lot never paid the loan on the title with the funds from State Farm Bank so I had to obtain the title myself & it took me a whole year, getting the county & state involved. State Farm Bank told me on 2 different occasions that it was not their responsibility to get that title. So my son was paying on a vehicle that still belonged to the previous owner because State Farm Bank did n't feel it was their responsibility to receive a title when funds were released ; therefore funds were stolen by the car lot owners. I had to pay for a couple of temporary plates while issue was resolved because my son needed the vehicle to go to school. Then i also had to pay for county fees, again when the title was finally transferred to our name. Those fees had already been charged when the vehicle was purchased, there was enough down payment to cover taxes & fees. As far as the taxes, I was able to get an affidavit from the Comptroller 's office with the help of the gentleman from the State. It was a total nightmare with time and extra expenses wasted that should not have been if State Farm bank would have ensured that title before releasing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I ordered furniture with this card and they immediately closed my card because they said it was fraud. I then called and verified my information and they said my card was fine and reopened. But then I got an alert on my credit report that the account was closed and it dropped my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent my dispute by mail XXXX, 2015 because I 'm a XXXX and my work schedule does n't allow me to be home so that I can call and speak with a live representative. There are some inaccurate marks on my credit report that I requested Experian to investigate. Today I get this letter which I have attached to this complaint stating that they have not initiated an investigation due to the fact that they think it is coming from a fraudulent source. That 's not true. Because of their lack of care and professionalism they have allowed this harmful information to remain on my credit report. People do mail requests for disputes sometimes when they ca n't call or when they ca n't access their credit report online to start an investigation which is the case for Experian. I now have suffered from inaccurate info for 30 days and can expect at least another 30 to 45 days thanks to Experian. Not investigating a consumer 's dispute is a clear cut violation of my rights and under the FCRA. Please look into this company deceptive practices and help me to resolve this matter quickly and efficiently. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: CAPITAL ONE AUTO REFINANCE ON THEIR SITE SAYS THEY WILL GIVE YOU A FREE QUOTE WITHOUT AFFECTING MY CREDIT. I GOT THE FREE QUOTE YET THEY PUT A HARD PULL ON MY XXXX  CREDIT REPORT DROPPING MY SCORE. I CALLED THEM AND THEY SWORE IT IS A SOFT PULL YET MY CREDIT REPORT SHOWS HARD PULL AND DROP SCORE BECAUSE OF. 

VERY MISSLEADING TO THE CONSUMER AND WRONG, NOW I HAVE TO SPEND HOURS TRYING TO FIX. I WOULD LIKE THEM FINED IN SOME WAY THIS IS WRONG AND FALSE ADVERTISING, COPY OF ADD, ATTATCHED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a capital one card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against Experian. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing/Cancelling account

Complaint: I over paid this credit card by {$350.00} when paying it off and they tell me after I contacted them that I can expect a refund check within 60 -90 days. This is usury. If I am even one day late in payment I get hit with interest and late payment fees yet they get to keep my money for up to 90 days! This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX, I tried to refinance my house and was declined on the basis that there was a defect in a prior Satisfaction of Mortgage prepared and recorded by the lender. ( See letter dated XXXX XXXX, XXXX from Title Company ) My wife and I made a mortgage to Mortgage Electronic Registration Systems , Inc. ( M.E.R.S )., as nominee for XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) This mortgage was assigned by M.E.R.S., as nominee for XXXX. to XXXX XXXX Bank, dated XXXX XXXX, XXXX and recorded in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Assignment loan # XXXX ) We made a second mortgage to M.E.R.S., as nominee for XXXX XXXX Bank, XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) These two mortgages were consolidated by a Consolidation, Extension and Modification Agreement by to XXXX Bank, NA, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Modification of loans XXXX & XXXX ) A Satisfaction of Mortgage was prepared, issued and recorded by XXXX XXXX Bank for the XXXX XXXX mortgage. The problem, as discovered by the XXXX XXXX is that the Satisfaction of Mortgage filed under City Register of the City Of XXXX under File No : XXXX lists XXXX XXXX Bank, XXXX instead of XXXX, as nominee for XXXX. for the mortgage recorded City Register of the City Of XXXX under File No : XXXX and the Satisfaction also DOES NOT recite the assignment information for the assignment recorded in City Register of the City Of XXXX under File No : XXXX XXXX. 

I understand that XXXX XXXX Bank was acquired by Capital One , N.A . However, since XXXX, I have called and written numerous times to Capital One explaining the problem and to request that a new Satisfaction Mortgage be prepared, correcting the error and filed of record. By letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX on behalf of Capital One requested a copy of the recorded mortgage and Capital One Assignment. I promptly provided the requested information by fax ( XXXX ). To date, I have received absolutely no response back from Capital One. I am able to neither refinance nor sell my property with the existing Satisfaction of Mortgage. ( Copy of correspondence attached )

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Other mortgage) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have some grave concerns based on my history of dealing with Webster Bank of XXXX, CT. Starting in XXXX XXXX, due to a XXXX, I became XXXX. As of XXXX XXXX, I began having difficulty meeting my current mortgage obligations. During the period from XXXX thru XXXX I was attempting to modify my mortgage under the federal program Making Homes Affordable under the Hamp guidelines. After multiple trial period payments, the mortgage was finally modified as of XXXX XXXX, XXXX. Within this past week, I contacted Webster Bank and questioned two recent issues of concern. ( 1 ) Negative escrow balance ( which will be discussed with you in greater detail ; and ( 2 ) their failure to comply with " pay for success incentive '' for making timely payments. I have found no evidence in any of their account transaction history, regarding this incentive. According to documents of modification, it states, that annually a deposit will be made toward the principal balance after the anniversary date of my trial period plan, ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for an amount up to {$1000.00} each year ), despite the fact that I have remained current with modification payments,. 
Within this past week, I contacted Webster Bank and questioned both the negative escrow balance and also the missing " pay for success '' incentive payments. I was placed on hold for 45 min. at which point, I terminated the call. I have yet to get a response from Webster, despite Webster having my current contact information. I still have no answer to these questions. 
My experience with Webster Bank has taught me that they are unreliable, unaccountable, and not particularly helpful to me since this process began in XXXX XXXX. Therefore, I am requesting your assistance at this time.

Company response to consumer: Closed with explanation