milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Mortgage (Other mortgage) with BOK FINANCIAL CORP (MO).
Issue: Loan modification,collection,foreclosure

Complaint: My Lender is BOKF XXXX Bank of Kansas City. I contacted my lender when I lost my job back in 2013. XXXX XXXX gave me the number for XXXX XXXX in the loss mitigation dept. then transferred to XXXX XXXX, and XXXX others though my single point of contact was XXXX. I was not able to work with a single point contact so this made getting assistance very difficult. I tried to bring my loan current XXXX separate occasions each time I was given the wrong information where and how to pay. Not XXXX of these employees knew ... XXXX XXXX, XXXX ( underwriter of my loan ), the collections department, 24 hr support member, XXXX XXXX XXXX XXXX told me he was going to text XXXX to ask if it would be okay to bring payment to the branch ) I did get to deposit it however XXXX said that he could n't except it because it was n't the full amount past due and people get the wrong idea and think everything is okay with their mortgage and then they get foreclosed on. The application I had to complete I was given ten days, 14 days, told my application was missing documents and I need to send them ( for the XXXX 3rd time ) quickly because my papers were on a stack on the attorneys desk it just has n't been picked up yet to be foreclosed on. By the time I received an answer about my approval for a forbearance plan I had a letter in the mail saying the forbearance is revoked for failure to pay the payment in the agreement I never received notice about. I find steady work again so they do a loan modification, it made my payments higher and they never sent them back to me with the banks signature. Unemployed again now for reasons beyond my control. Now I have XXXX XXXX, XXXX, and another gentleman. My house gets auctioned off in 19 days. XXXX would not let the housing counselor stay on the line with me to ask about a special forbearance or repayment plan. They lost my paperwork to make the application complete. I have the conformation page that shows I sent those documents. XXXX says I have no options, the other gentleman states he does have the " missing '' documents but its to late I do n't have a job so they cant help me, XXXX says my only option is a repayment plan. I have done what the letters say to get help, I called the XXXX counselor but the loss mitigation dept wont allow her to stay on the pone, I give the papers back in less than thirty days like the instructions tell me.. in 14 days. It is hard to get that done with limited funds. I do n't know why this is happening or why I cant get assistance from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: I purchased my vehicle from Credit Acceptance Corporation in XXXX 2013. I recently fell behind on my payments by 45 days. On XXXX XXXX around XXXX XXXX XXXX. they repossessed my vehicle. I was supposed to be notified by letter 24 hours prior to this according to NY State law. The person who picked up my vehicle said to give him a call when I paid and I could pick it up after the loan company sent a release. I called Credit Acceptance immediately and was told I owed {$670.00} ( XXXX payments plus late fees ) I made and arrangement to pay on XXXX XXXX, which I did ( less than 48 hours later ). I was told by the loan company that I could pick up my vehicle and to call the towing company to make arrangements. When I called I was told that my vehicle had been picked up by the auction company that morning. I made 5 more calls to Credit Acceptance on Friday trying to locate my vehicle. I was first told it was n't at the auction house yet. I requested an address, which they said they could not give me. I was then told they could not contact them and Someone would call me back, which they never did.. Finally I was told that they were closed for the day and to call back Monday. I called 3 times Monday XXXX, XXXX, and XXXX XXXX finally getting my vehicle released. I was told it was now in XXXX, NY ( XXXX miles away ). I made arrangements to pick it up Wednesday XXXX. I was told that the plates had been removed and to contact the towing company in XXXX, NY. My issue is that I had to make a total of 13 phone calls, I was charged {$40.00} to get my plates and personal effects back from the towing company. I now have to take an afternoon off work to travel to XXXX, incur fuel and toll charges AND I was charged an additions {$85.00} by my loan company for transportation.

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 11/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax keeps reporting XXXX account 30 days late and is not 30 days late They have reinserted previously deleted report they remove from negative and inserted again They had removed the 30 days late and they reinserted again They report as a negative account and its not negative Not 30 days See attached bank history " Days '' column never 30 days late Please have Equifax remove from negative remove the 30 days late

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (IA).
Issue: Taking out the loan or lease

Complaint: I took out a loan with XXXX now known as One Main Financial. I fell behind back in XX/XX/XXXX and was offered a settlement amount in XX/XX/XXXX. The settlement offer stated if I paid {$3400.00} by XX/XX/XXXX that One Main Financial would report the account at a {$0.00} balance and settled. I have kept a copy of the cashiers check and letter. To date XX/XX/XXXX my credit report still does not reflect the change. I have disputed it numerous times and contacted One Main Financial directly numerous times only to be given the run around. I was recently denied credit because of this account. I do not know what to do at this point short of hiring a lawyer.

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 05/28/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a transfer of servicing issue. My mortgage was transferred from XXXX XXXX to RoundPoint Mortgage effective XX/XX/XXXX. First, the notification was sent by XXXX on XX/XX/XXXX which seems short notice. It is my understanding that under the New regs of CFPB, it is required that the consumer receive at least 30 days notice of transfer. Second, to date, I have NOT received ANY information from RoundPoint Mortgage regarding the transfer. There has been NO notification or documents stating where to send XX/XX/XXXX payments other the information in XXXX 's initially sent in their letter on XX/XX/XXXX. Again, it is my understanding, under the new CFPB regs the retaining servicer must notify the consumer with in 15 days of the transfer of corrected payment locations. Third, and most important is my escrow account. I have attached monthly statements from XXXX XXXX since the loan closing XX/XX/XXXX that indicate an initial escrow payment at closing of {$1400.00} however these funds were pulled out of escrow on XX/XX/XXXX then reinstated in the account on XX/XX/XXXX with no explanation why. Again however, my escrow balance does not reflect the funds in my escrow balance. My calculations show that my escrow balance should be currently, after my XX/XX/XXXX payment {$3000.00}. This calculation is based on the following : ( {$1400.00} Initial escrow+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX ) However, when I called the new servicer ( RoundPoint Mortgage ) today XX/XX/XXXX, their customer service rep stated that my escrow balance only reflected {$680.00}. I asked if there were any payouts showing on the account and the customer service rep stated NO. This is scary because, though the balance on my monthly statements are incorrect from XXXX XXXX the last state at least showed a balance of {$1200.00}. 
I have filed a compliant with CFPB on this issue but you are only reviewing the initial servicer response however the current server has also paid my real estate taxes that has caused a shortage in my escrow now ( XX/XX/XXXX ) over {$900.00} and the current server is using my payment to pay their advancement. Please take of this ASAP. Do I need to have the VA involved in this issue of how a veteran is being treated through transfer of serving?

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 02/13/2017 about Debt collection (Non-federal student loan) with Pathfinder Credit Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Successive communications have inflated balances, higher than original debt. Multiple phone calls after written request not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: From XXXX to XXXX my loan amounts have grown exponentially through fraudulent practices with Navient. I was encouraged to defer my loans and was given mis-leading information on my repayment plan. In addition, I was charged exhorbitant interest fees and late payment fees due to the the processing of my loan consolidation applications and repayment applications. A loan origination amount that was estimated at $ XXXX is currently estimated at $ XXXX. Navient 's accumulated interest surpasses the original loan amount by $ XXXX. This is highway robbery and I am struggling to pay this loan back. 

I need my account investigated for fraudulent business practices

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: I am a customer of chase bank. On XXXX a purchase was made by a customer for my company 's furniture, tv 's and supplies due to me closing my buisness. A check was deposited by the customer. The check was not available right away I had to wait for my bank chase to clear it first. Once chase bank cleared it the following day I made a withdrawal of {$3000.00} prior to the deposit I had {$2200.00} in my account. When I made the withdrawal everything on my account was fine. The following day I received an alert stating I was overdraft. So of course I contacted chase bank to find out what had happened. They informed me the check was returned and they had taken my money to basically make up the difference of the check to return. I then stated as a buisness owner and customer of yours I do n't feel that was fair first I have never had any checks return on my account second you all cleared it. I did my part as to selling my goods and expected to get paid for it in any case I am the victim. I willingly offered to send a invoice and pictures of what was sold and it was declined. I then said instead of taking my money why not open an investigation, I will probably never see this customer again you all have more access to their information then I do. They then told me I would have to be the XXXX to open an investigation. Now I know my money is insured so I asked to be transferred to FDIC hoping to be given back my {$2200.00} and was transferred but then hung up on so I do n't even know if I was even on the phone with FDIC. As a customer of a bank that is suppose to protect me and my money I feel this is very wrong and I am not going to let this go because it 's wrong. I will be contacting anyone possible that can help me, so this is my first stop. I 'm also gon na get in contact with FDIC myself.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A representative by the name of XXXX of Coastal Financial Solutions called my place of employment and voluntarily informed the person that answered they telephone that I was being contacted for a legal matter concerning a return check. She left a number to return they call and when I called back she yelled at me about paying back a loan that I know nothing about. I could barely understand what she was saying as XXXX was not her first language, so she hung up and stated she would see me in court. This is the XXXX organization at has called me about a similar situation and it is always the incorrect information. The reason for my compliant is this person failed to follow proper steps in attempting to contact someone about a debt. I have not received anything from this company via email or telephone validating this debt. For this individual to share information with my employees of this nature impacts my intergrity amd has now caused a issue at my job with Human Resources. When I called to ask for the President of the Company, I spoke with a male that stated his name was XXXX XXXX. I will be filing this same compliant with the Attorney General and Frderal Trade Commission as well. The actions mentioned above by XXXX is illegal and should be handled accordingly. I have the electronic copy of the communication from my employee concerning this message as she was also stunned by the persistence of this representative. I have never competed anything illegal in my life and refuse to allow something of the magnitude impact my position or credit files. I wanted to make sure that this story was posted for all to see as I continue to take the neccessary steps to ensure organizations like the XXXX mentioned above does not get away with this kind of misconduct. ( I would like to add that although I selected " Talked to a XXXX party about MY debt '' ... I am not admitting that this debt belongs to me. It was the closest category listed to describe my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed information that was on my Equifax credit report by XXXX and it was deleted by Equifax. But it was inserted back on my credit report on XX/XX/2017. I have requested documents from XXXX and Equifax to show proof of this alleged account. Neither can provide proof. I sent a validation letter to the company and I have sent 2 letters to Equifax for proof. I have just sent a 3rd letter to Equifax on XX/XX/2017. I have an extended fraud alert on my account. I never received any information from Equifax before this item was placed back on my account either. Unverified accounts should not be allowed on my credit report as this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Trouble during payment process

Complaint: I bought my home in XXXX from Gmac Since then it has been sold 2 times to home comings and nor XXXX.
My husband passed away, the loan is my loan only in my maiden name. Last year I noticed they had my load dated as a sign date of XXXX. I never went or signed a new on this home. I put XXXX down and they basil have me back at where I started. I should be only paying the loan no interest at this point. I asked for original loan document and they sent me a copy of a letter with my married name signed. I never signed unsee my marrieded name and I did not marry until XXXX  and they dated it XXXX.
I have been late each month to get to talk to someone because calling them Did not work!! I never refinanced I never pulled out any money on load. The goal was to mortgage free.
Now I have insurance damage to my home. My insurance has sent me checks for a lot of money. Spoke with Ocwen they said my load had to be up to date. I explained why the late fees. They said it has to be up to date. So I paid all late fees. Went to check my mortgage payment went through with all late fees pain. When I called they tried to say I owe another XXXX in late fee to put my money the money to fix my home that I have pain insurance on with the state farm from the first day I bought home. They also have never sent me a escrow overpay. As of XXXX my escrow has the full amount for my taxes yet they are charging me for it. They also changed the loan payment now Please help They are crocks and my home should not cause this much stress.
Name on account is XXXX XXXX Note that they sent has my married signature of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I recently applied for credit monitoring service and was denied. I am unable to monitor my score and agency refuse to allow me to setup service however continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Non-federal student loan) with GRANITE STATE MANAGEMENT & RESOURCES (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After my federal school loans went into default, I was sold by a collection company on a " rehab '' program that would remove defaults and negative information. I was mislead severely, as GSMR had me in several " groups '' with multiple loans, and in one of those groups was a private loan. I had no idea this loan was n't included in my rehab and of course no one mentioned anything. Well 15 months later my private loan was charged off and I only found out because I was denied a mortgage. So I called gsmr and they are n't even reporting the positive payments to XXXX, they have so many redundancies in my credit reporting that it is sickening. They are destroying my life. I have disputed every account over the past 9 months and they fail to update the info and the CB 's do nothing. They wo n't even let me into a payment plan on the charged off loan, they said I ca n't consolidate my REHABED loans because one is subsidized and the other is n't. This is causing my installment balance to be twice the loan amount because of forbearance!!! I am pretty sure they are re-aging my debt as well on the private loan. They ca n't show me the payment that was last made.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have sent this debt collector several letters using the available templates letting them know I am not liable for the debt they are attempting to collect and to cease all communication with me. They still continue to call me regularly and do not leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I listed my property for a short sale. Wells Fargo counter offered the original offer. Of course the initial offer then fell out as the purchaser did not want to meet the counter offer made by Wells Fargo. Finally my realtor was able to find a buyer that met the counter offer amount, the purchaser signed the offer and it was sent to Wells Fargo. Wells Fargo is now stating this offer was received too late and are proceeding with the sale date scheduled for tomorrow. Make matter worse, the counter offer amount Wells Fargo asked for is {$230000.00} yet the opening bid amount is only {$130000.00}. Why not accept the offer and give me my right, as a California homeowner XXXX ( A ), to avoid foreclosure. Why not postpone the sale date to allow the short sale to take place? They got the counter offer at hand and now are going to foreclose without a care leaving me with the possibility of loosing my home. I am most grateful for any assistance I can get from you.

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 11/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Equifax to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Equifax is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am behind in mortgage payments due to lost income. I contacted my Wells Fargo, who holds my mortgage to try to work something out. I am told I can not apply for home equity loan or other plans unless I agree to do a forbearance, and pay the total sum when requested due. I am being coerced into signing this when I have no idea what the amount will be or how much time I will have to pay it. I also must agree that if I pay less than the total amount the forbearance is void and the bank will foreclose. How is it legal that I must agree to unknown amounts and terms?

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