milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Mortgage (Other type of mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Trouble during payment process

Complaint: My husband and I own a few small commercial properties, one which is a 6 unit property which has a mortgage from Capital One. The property has 1 commercial unit for which Capital One insisted on reviewing the lease in case of change of tenant. The lease is expiring next year in XX/XX/XXXX and in preparation for that we ensured that we put a tenant in place with a new use in XX/XX/XXXX. In order for us to do that we had to get the bank to agree and review the lease. After about 8 months of conversations with the bank during which time they were reviewing the lease, and placing additional restrictions on us operating our XXXX XXXX, they gave us a final ultimatum - agree to all the conditions that the bank wants or they will not approve the lease. There was no negotiating with the bank, they took 8 months and served us a bill for {$4500.00} for legal review. This puts our livelihood in danger as the legal bills are a very significant portion of our annual income from this property. We have never had these kind of issues with any mortgage provider for any of our properties and have gone 4 times through similar processes over the last 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NVR INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I signed house purchased contract with NVR Home in XX/XX/XXXX and got approved loan from NVR Mortgage in XX/XX/XXXX. At the time the expecting delivery date is between XXXX and XX/XX/XXXX. I decided 20 % down payment. However real settlement date is XX/XX/XXXX and I was able to save more money for down payment. On XXXX XXXX, I email Sr. Loan Processor XXXX XXXX XXXX that I want to increase down payment. He referred me to Loan Officer XXXX XXXX XXXX. XXXX XXXX called me, so I do n't have written record, that I have to extra processing fee in thousands by rough estimation. The better option is to recast afterward which is free in XXXX times. I took the offer. 
In XX/XX/XXXX, my loan was resold to XXXX XXXX. 
After I sold my old house, I call XXXX XXXX, XXXX XXXX XXXX for recast. 
She said that I have to {$500.00} fee. I told her that this is my XXXX recast and it should be free. She said that she had to check with previous mortgage and asked contact information. So I forwarded NVR Mortgage loan officer contact information. 
Several days later, she emailed me that I have to pay {$500.00} and asked me contact NVR Mortgage. I emailed XXXX XXXX and he said the charge is at discretion of mortgage company and denied he said it 's free. 
I had no idea what is recast until he mention it. Had he said it 's not free, would n't I chosen pay higher down payment? 
I feel being deceived. Both mortgage companies are benefit of charging me more.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Previously sent two requests for validation of the debt. on two separate accounts. Midland never provided validation of either debt XXXX XXXX XXXX or XXXX ). Time has expired for Under the Fair Credit Reporting Act. They must remove the unverified reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX 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 05-01-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Prior complaint # XXXX. Now I have spoken to numerous people and still they can not provide me with answers on why my credit card was cancelled. 
They say my credit score is XXXX, I called XXXX and spoke to a XXXX and she said impossible that my score is XXXX, Bank of America also said that my report is showing delinquencies but, XXXX says their are no delinquencies. I do n't understand and I did explain about the derogatory items but, my report is better then some people that are still able to have their credit card, why am I being treated differently. Now they issued another inquire on my report and that will lower my score more. 
The other question that they cant answer is why was n't my credit card cancelled when my score was below XXXX but, when my score is XXXX they cancelled it. 
This is what XXXX saysXXXXXXXXMy XXXX and XXXX XXXXHow you compareYour credit ranks higher than 24 % of the American consumers. 
Credit Reporting AgencyXXXX XXXX XXXXCredit Report PeriodXXXXXXXXXX/XX/2015Credit ScoreXXXXUpdated on XXXXXX/XX/2015And it was XXXX but, now since they did a hard inquire, it is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was divorced in XXXX of XXXX. My ex-spouse was responsible for a mortgage and equity line of credit according to the divorce decree. I was a co-signer on the loans. She defaulted on the payments in XXXX and XXXX. I hired a lawyer and got her to bring the accounts current. I also contacted the mortgage company to let them know that they had not contacted me and that I could have avoided the derogatory credit report had I been notified because the home was being rented and I could have made arrangements to get the monies from the renters and paid the mortgage company directly. 
I recently applied for credit and was notified that the same situation occurred again at the end of XXXX. My ex-spouse said that it is because she filed for Chapter XXXX bankruptcy. See OCWEN in the attached credit report. Again, I was not given notification that the account was in arrears. If I was notified, again, I would have just contacted the renters and had them pay me and I would have paid the mortgage company. This whole issue is convoluted because the loans have been sold from GMAC, Homecomings, XXXX and then to OCWEN for collection. The mortgage company had at least my phone number and email address. Also, they could have asked for my mailing address, if they did not have it, from me or my ex-spouse. 
What this boils down to is that I was not notified that the account was in arrears by the mortgage company or my ex-spouse. It seems unfair that this should show up on my credit report and now I am denied credit from all banks I apply to. I borrowed {$7000.00} last year to get the student loans current when the Student Loan company, XXXX, contacted me. This should be proof that I would have done what it took to keep things straight.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IN).
Issue: Using a debit or ATM card

Complaint: I use, because I am offered no option, a debit card managed by PNC Bank for the unemployment compensation I currently receive from the state of Indiana. I have no desire to ever use a debit card. I believe they are intended to facilitate the fleecing of users in as many ways as possible as evidenced by the initial practice of banks to allow users to exceed the available balance only to be charged exorbitant overdraft fees for having exceeded the available balance. There is, apparently, a charge of XXXX cents automatically deducted from my balance should I dare to call the XXXX number listed on the card, even when just to use the automated system to verify I have kept proper track of the balance. When I discovered XXXX cents had been deducted from my balance, I called the number on the card and spoke with an operator. For this I was charged another XXXX cents. I was told, effectively, 'too bad ' when I argued the charge was NOT disclosed on the card where the phone number appears and nor had I been made aware of it at any time in the past. I said this constituted fraud and I asked to speak with a supervisor and was told " no. '' When I did not give up and asked repeatedly to speak with someone in a position of authority, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. As a result I have be en gravely effected and my credit score is suffering as a result. No notice was ever given, with is also a violation. I am requesting that all inquiries be removed immediately.

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 10/20/2017 about Debt collection (Medical debt) with NRA Group, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX ( NRA ), XXXX XXXX XXXX, XXXX, PA ( XXXX ) XXXX entered an amount on my credit report that was already billed to XXXX and XXXX paid the amount due to XXXX XXXX Hospital several years ago. However, this complaint is not about the bill or the amount. It is about how this claim was communicated.
My son noticed this amount, and the information about this amount, was entered on his credit report. He called the credit reporting agency to report that his credit account had false information.
The credit agency directed him to call XXXX XXXX XXXX ( NRA ) to resolve the false claim. He called and spoke with the representative at NRA.
When my son asked about why this false information was on his report, the representative told him there was a mix-up with the last name. Then, the representative proceeded to tell my son all of my personal identifiable information, including my address and birth date.
Of course, my son knows this. But what right does this collection agency have to give out anyone 's personal identifiable information to any one? Could n't they simply verify that the charge on my son 's report was mistakenly added to his report without disclosing my information? What reason would they have to tell anyone personal information about someone else who they ( the agency ) mistakenly exposed?
Further, the NRA representative had no idea that the person on the other end of the phone line was indeed my son. It could have been anyone. How many other callers have been given my personal identifiable information? There is no way to tell. This is a serious breach of confidentiality and one of the reasons there are so many mistakes on everyone 's credit reports. Am I to understand that my personal information is being floated to whomever calls and asks for it? Not to mention that the information is false no matter whose report it lands on.

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 12/15/2016 about Debt collection (I do not know) with Bonneville Billing and Collections (UT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a charged off debt that has been sent to Bonneville Collections. Due to some discrepancies between what the agent said, and what I saw on my credit report, I requested a call back to be scheduled for next week so I would have time to investigate the debt with the original creditor. The agent from Bonneville Collections warned that they would not schedule a call back, but rather that I would need to call back in myself because the account was going to be sent to their legal department today or tomorrow due to the length that they have had the account, and so calling back in a week would be too late to do anything. This threat of legal action infringes on my rights. Additionally, the agent would not give detailed information regarding the debt beyond the name of the original creditor and the total balance. 

In summary : My net impression of the conversation with Bonneville Collections was that I had an outstanding debt which was sold to them. They wanted a payment plan to be set at the time of the call. or else it was going to be sent to their legal department either the day of the call, or the day after, with no time alloted to investigate the debt discrepancies. They are threatening legal action on a debt I disagree with due to details on my credit report and would not provide information on their end to help me to verify the debt. I refuse to blindly pay a debt after discussing vague details on XXXX phone call, and certainly do not wish to have legal action threatened to manipulate me into doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 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: Account status incorrect

Complaint: hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ).    thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: Rushcard ruined my finances and caused me so much struggle for about two weeks without a penny to my name. I am a single parent and XXXX kids and i just could not figure out how to feed my kids day by day. I was devasted and cried daily. The need to pay for what they did to us. They conducted a server change, my card would not work, embarrassed to find out after food shopping my card declined on $ XXXX+ in groceries. They would not answer phone, either ring or hung up but not a soul to tell us what was happening with our funds. My sons XXXX birthday party cancelled and rescheduled cause i had no funds. My bills not paid and cell and XXXX turned off cause pmt arrangement i had. I was disgusted how they treated us without a care that we live check to check and had no other means for cash. I fed my kids cereal and milk during this time. It was nutts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled the private information of hundreds of thousands citizens and myself. Using their website XXXX, I found that I am someone who 's information was stolen. Furthermore, Equifax seems to be trying to trick people into being unable to pursue any legal action against them. They give us a link to check to see if we are affected, and so by using this link, we waive our right to purse any action. Not only that, but the fact that we have to pay to freeze our credit through Equifax is absurd. The pin you get from Equifax when you freeze you credit can be reset using personal information, which, if you stole someone 's identity, would be easy to reset. Finally, the pin is not randomly generated, it is just time stamped, meaning that it would be very easy to steal someone 's pin if you can assume most people froze their accounts yesterday or today. Thankfully, I put a fraud alert on my account and downloaded my free annual credit report, and saw that nothing has happened yet, however, for many people, their lives could have been ruined today.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/XXXX not g iven options on IBR and thus went into forbearance. This made my loan very large in sum.  <P/>  XX/XX/XXXX - XX/XX/XXXX  I discovered recently that whenever I have been paying EXTRA on the loan, Navient is automatically applying the payment to the loan with lowest amount or lowest interest and keeping the large sum loans with large interest amounts intact. This of course benefits Navient and NOT me. This was not disclosed to me at any point, until I started asking questions on how the payments are being applied.  <P/> This practice has put me back an amount I ca n't even measure.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Using a debit or ATM card

Complaint: It has been brought to my attention that my Banking institution, FifthThird Bank, allows my card information to be given out to entities that subscribe to this bank card information. This has been done without my knowledge. Also, I have asked the local bank manager some time ago to help me with some unaccounted for monies associated with my account. The manager informed me that there is a XXXX dollar an hour fee to assist me in this endeavor. I called the main customer service number about this fee. They informed me that there is no fee for this service. I was then instructed to go to another branch where I would not incur this fee. So the question remains. Where is the consistency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Consumer Loan (Vehicle loan) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Today, XXXX/XXXX/XX/XX/XXXX, at XXXX XXXX CST, I received a phone call from someone stating that they are with the XXXX and that they are representing HSBC Bank. She stated that they are working with HSBC to file Felony Theft of Business Services charges against myself and my husband due to a vehicle that was repossessed from us. The vehicle was repossessed back in XXXX XX/XX/XXXX. She stated that HSBC has been sending letters to us, but we have not received anything to date in regards to this. The address that they have supposedly been sending letters to, we have not lived at for over 6 years. We put in a forwarding address with the post office and our current address is listed on file with our credit report. The original creditor HSBC has already written off the debt and it has already fallen off of my credit report. I have not seen the collection for the debt listed on my credit report any longer as of XXXX XX/XX/XXXX. Can they legally file these charges against us on a debt that is almost 8 years old? Is n't this considered a " Dead Debt '' which in Texas is illegal to collect on? When I requested written documentation, she stated that it would take 30-45 days to receive in the mail. She stated that they only have it in their office for the next XXXX hours before it goes to be processed for a summons for court. She did not ask for my current address. She also stated that I would be receiving a summons in the mail to appear in court in regards to this matter. HSBC has made no attempt to contact me since XX/XX/XXXX when the vehicle was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief