milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying, unsuccessfully, to get a loan modification for my mortgage with US Bank. Even though I meet some, if not all of the criteria to obtain such help, I was denied ANY and ALL help, even though they signed an agreement with the government to offer homeowner 's assistance to prevent foreclosure on their mortgages. I have done some research and there are thousands of people in my same situation with this bank. I think US Bank Home Mortgage should be investigated for their failure to provide homeowner assistance.

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 04/27/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Closing on a mortgage

Complaint: I purchased a mortgage loan in foreclosure on    XXXX   XXXX  ,   2017.   As  of today  XXXX   XXXX ,    2017 ( 79 days ) I still have not received the Warranty Deed for this purchase. I h ave been in constant contact with the foreclosure attorneys but, still no results from the mortgage Co. Under GA l aw Code Section 44-14-3 bo th lenders & servicers can be liable to the borrower/grantor for failure to cancel a security deed within 60 days of full payment. Full payment was made on  XXXX   XXXX ,  2017.  The address of the foreclosed property is  XXXX    XXXX    XXXX ,  XXXX  GA.  XXXX .

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: A massive problem ; I had a dispute with a copy in XXXX. They said, if I would end the dispute they would refund me. The issue is I do not know if I can trust them. I told this to the capital one agent who called. She said she would three way me on the phone at XXXX today. I see she already reversed the dispute without my permission and I am very upset. I do not like liars and I have gotten a lot of them from Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/16, I sent a certified letter to this company requesting for " validation '' via a document bearing my signature that I owe this debt and that it is valid. I waited 31 days, and received no response from this first letter. On XXXX/XXXX/16, i sent a second certified letter to this company asking for " validation '' via a document bearing my signature that this debt belongs to me and is valid. On XXXX/XXXX/16 they responded via a letter, but did not provide anything with my signature on it. Instead stated that I did not provide sufficient information and that I needed to send them documents. Basically giving me the runaround and not providing what I asked for in the two certified letters I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My medical bill at XXXX XXXX Hospital was paid to the caregiver by my insurer but the hospital mistakenly reported the bill as unpaid and sent it to collections at Gold Key Credit, who refuse to remove this incorrect information.

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 03/14/2018 about Debt collection (Payday loan debt) with Enova International, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2018 I sent an email to CashNetUSA revoking authorization to automatically withdraw funds from my checking account. On XX/XX/2018 I received an email confirming that They had received my email. On XX/XX/2018 CashNetUSA automatically withdrawed {$180.00}. I called on the morning of XX/XX/2018 and let them know that the payment was pending and they said that if it went through they would reverse it immediately. I have called 5 times since then and have been lied to about refunding me the money. Ever time I call they apologize and admit their wrong doing but still have not refunded my money. My email clearly stated the revoking of authorization of withdraw from my checking account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Consumer Loan (Installment loan) with EXPERT GLOBAL SOLUTIONS, INC. (LA).
Issue: Shopping for a loan or lease

Complaint: eGS Credit did a hard inquiry on my credit reports without my permission or knowledge which affects my credit. I want the inquiries removed asap. I did not apply for a loan and not of your boxes applies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (ID).
Issue: Advertising and marketing

Complaint: In XX/XX/XXXX, I received an email invitation to apply for an AmEx Skymiles Gold Card with a bonus of XXXX Delta Skymiles after spending {$1000.00} in the 1st 3 months. The day I received my new Gold Card on XX/XX/XXXX, I received in the mail another offer for XXXX Skymiles from AmEx. I immediately called AmEx and asked if I could be eligible for the XXXX mile bonus instead of the XXXX mile bonus. According to the customer service representatives, they were going to open a case to investigate. 
I followed up with a live chat with AmEx on XX/XX/XXXX during which I was told the case was still open and they were trying to get me the XXXX mile bonus. 
I had my second live chat with AmEx on XX/XX/XXXX and was told by the representative that a detailed note was placed in my account and to check back in a few days. 
My last live chat with AmEx was on XX/XX/XXXX when I was told the two offers that were addressed and sent to me were not available to me because I had previously had an AmEx card. My previous card was cancelled in XXXX. When I asked why offers were sent to me that I could not get, I was told the offers are sent by the marketing department and have nothing to do with new or existing accounts. I immediately cancelled my card and requested to be removed from all future advertising and marketing, mail, email, or phone calls. 
On XX/XX/XXXX, I received a marketing mailer from AmEx, even after being assured that I would be removed from their marketing lists. 
Although I did finally find the small ( minuscule ) print indicating previous card holders could not receive the bonus in the offers I received, I still find it incredibly deceptive that 2 different offers for bonuses, personally addressed to me, were knowingly sent with the intent that I could not receive the " bonus '' that was being advertised. I also believe that AmEx wanted to keep stringing me along with the " open case '' story long enough to get me to pay the {$95.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with INDEPENDENT SAVINGS PLAN CO (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! <P/>Their retort- When an account closes, ISPC has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed ISPC must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer. <P/>1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column. 2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?

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 04-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX or experian has me listed as having stayed at XXXX XXXX in XXXX. I never lived there.

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 07-06-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015 I sold my home. My mortgage company was CCO Mortgage. The Mortgage was paid in full. On XXXX XXXX, CCO decided after my mortgage was paid in full to make the next quarters tax payment XXXX XXXX in XXXX 2015 XXXX from my remaining escrow funds even though the home was no longer owned by me and there would be no CCO mortgage on the property. Despite complaining to CCO on multiple occasions I am still owed {$730.00}. My town XXXX XXXX RI ) never process the tax payment because they knew the home was sold and that it would be an overpayment of taxes and they sent the money back to CCO. CCO can not find the payment and claims to be investigating. Its been almost XXXX days since my home was sold. They are violating laws by now returning my excess escrow funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My car payment is {$470.00}. Although I maintained insurance and submitted proof, this company put force place insurance on my account. I paid my account in full for XX/XX/XXXX this company gave my a late delinquency on my account because I did not pay for there forced placed insurance.

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 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Re : CFPB No : XXXX Capital One was not able to provide an explanation as of why the information provided was false and did not match the information in the credit report. The reason for the decline : " Based on your credit report from XXXX, length of credit history ''. This information is false and not reported as such by XXXX, where the credit card history is stated as 21+ years. Capital One has inquired with XXXX and XXXX as well based on the credit report inquiry information. Capital One needs to provide the reason why the reason for the decline does not match the XXXX report. A complaint will be file with XXXX as their information was used falsely. <P/>Manager mentioned that Capital One is not inclined to open an account for someone who is citizen of another country or has dual citizenship. This seems to be the only justification for the decline.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a XXXX XXXX acct with a General Power of Attorney and got XXXX. Shorty after returning from XXXX she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with Portfolio Recovery. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. Portfolio had no issue taking the 1000 dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company ( Ocwen ), after charging us an undisclosed fee ( without ANY written notification ) has emailed us a notice that they are moving forward with foreclosure procedure. This is despite the fact that we are current on our mortgage. In our 13 years with this mortgage we have never even been late on a payment. Even their phantom fee which they have charged us ( again, only verbally over the phone ) was not a full month behind their schedule when they sent us the letter. 

We reported some of their fraudulent activity in a past case ( XXXX ). However, their attempt to resolve the issue has taken a dramatic setback when their fraudulent activity and inability to deal with it in a timely manner is now going to cost my family a negative mark on our credit score and potentially the ability to purchase a house that we were hoping to offer on today. 

The primary reason for my suspicion that it will not be dealt with is their reputation. There have been XXXX of homes foreclosed on illegally over the past few years. As always, it has been very difficult to get anyone from the company to talk with you. I finally have the number of someone who can actually make a decision, but am now having trouble getting a hold of him.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not something the victims should be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (FHA mortgage) with LOAN SERVICING GROUP (NY).
Issue: Application, originator, mortgage broker

Complaint: This is a followup to my previous complaints. I warned of the scam XXXX was perpetrating by trying to foreclose even tho the note was sold to XXXX. Foreclosure was to take place on XXXX XXXX, XXXX but the courts had the good sense to delay it because of unusual circumstances ( i.e., they no longer are the assignment ). I received notice in the mail that XXXX is petitioning the court to transfer the name on the court papers to XXXX XXXX. Remember when XXXX sent a letter to you reading that they and the XXXX XXXX firm was no longer party to the mortgage. Well, well, that was a lie. The court date is scheduled in XX/XX/XXXX. I plan to be there to address the fraudulent activity. As I stated, after a 6 mos. Forbearance, I was sent a notice to pay {$15000.00}. Where this figure came from is beyond me. I guess that 's why XXXX lied and said we had n't paid since XXXX XXXX, XXXX so that they could reap this money unlawfully. How in 6 mos could it accumulate to {$15000.00}, when we were paying {$1800.00} a month. We were up to date on the mortgage until the Forbearance period. I guess they totally disregarded the {$1800.00} we paid for 6 mos. during the Forbearance period. Even with late fees, this figure of over {$15000.00} is ludicrous. Not to mention the " non-securitization '' from XX/XX/XXXX until XX/XX/XXXX when in XX/XX/XXXX it was finally assigned to XXXX - you know, to do the Foreclosure thing only. The originating title company was XXXX, located in XXXX XXXX with XXXX XXXX, XXXX ( so it says on paper but NO ATTY was present at closing - which took place at the real estate property ) but of course, when trying to reach out to this company XXXX, all I hear is crickets. Not once was I given a choice of Title insurance or even a discount discussion since this was a refinance deal. From XX/XX/XXXX through XX/XX/XXXX, I repeatedly asked whom was the Lender after defunct XXXX so that perhaps I could reason with them concerning a modification because of unemployment and death of a contributing family member and the explanation for the {$15000.00} tip to XXXX but all I received was lies from XXXX - telling me at least XXXX different Lender organizations - XXXX, XXXX XXXX, XXXX & others. Oh, I have the correspondence to prove it and I will - come what may. I 'm fighting until the end. You can bet your XXXX on that! I guess XXXX took on the note with all those atty 's fees, bogus interest, and late fees to help their partner in crime " XXXX ''. Wonder what the value was?! As I said prior, XXXX, ( their XXXX lawyer, XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Portfolio Recovery Associates have been improperly reporting the status of information to the credit report agencies. On two separate accounts they have been reporting to XXXX as both accounts as an open status that makes them appear upon my credit report as still open and displays as they are still owed even though I had paid them back in XX/XX/2016 and XX/XX/2016. As for XXXX they are reporting one of the accounts as still open and in a derogatory status marked as not being paid. That one would be for XXXX XXXX XXXX XXXX. A phone representative from the disputes department of Portfolio Recovery had said they would update the tradeline on the reports as a paid status and that they then should show as being paid and listed as closed on the credit reports. I have yet to see any changes to my credit reports and I have yet to see any corrections to the errors that Portfolio Recovery has made.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. These changes are part of the National Consumer Assistance Plan. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and must be deleted from my credit report.

Company response to consumer: Closed with explanation