milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I filed a complaint with CFPB # XXXX because Equifax 's website is unavailable, and you ca n't speak to someone on the phone. I just received an email from CFPB saying the company has responded and the complaint is closed. Nothing could be further from the truth. We have heard nothing from Equifax, still ca n't speak to someone there and have had no communication from Equifax. 

How can this be? What good is making a complaint if this is how CFPB handles it? 
WE are both very displeased and I 'm now making a complaint against CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB ; We are requesting your assistance with a formal complaint against Wells Fargo Mortgage 's unlawful business practices who have successfully foreclosed our modular home of sixteen years. XXXX while XXXX we were victims WF 's Predatory Mortgage Servicing practices by almost doubling my home payment. XXXX The OCC managed this action under the Independent Foreclosure Review Settlement and we were awarded in ( XXXX ) the home back in my name and ( XXXX XXXX ) {$2000.00} dollars. However, it appears Wells Fargo believes they can undo the description of the order or compensation. We however, believe oversight and direction is required from the CFPB before they consider removing my family from our home. Presently, we have just received a letter legal representation from the XXXX in XXXX, North Carolina stating we are to vacate the premises. The XXXX foreclosure was in XXXX while XXXX with the XXXX XXXX in the XXXX XXXX region and the XXXX XXXX XXXX XXXX. Recently, the Department of Justice found WF financially liable for selling my home while XXXX in the amount of {$11000.00} dollars. We have provided CFPB with the most up to date information and we are actively seeking legal representation. As a member in the XXXX my time is very limited and often away from my family. So we are absolutely requesting the very best from your organization. We do n't expect special treatment and or privilege as with our past complaint for SCRA protection during the CFPB assistance process. We are asking CFPB to submit our complaint to Wells Fargo why they undoing a settlement agreement. Moving forward once they reply to CFPB, we will gladly provide further details from their very own documents demonstrating unlawful business practices. Your dedicated assistance with this matter is greatly appreciated, as we look forward to your reply ... XXXX, XXXX. XXXX XXXX, 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 03/14/2017 about Bank account or service (Other bank product/service) with STATE FARM BANK, FSB (AL).
Issue: Account opening, closing, or management

Complaint: On XXXX/2017 paperwork was signed at XXXX local office to transfer an IRA from STATE FARM BANK to XXXX. It is now three weeks later ( XXXX/2017 ) and neither STATE FARM BANK or XXXX can tell me where the money is. STATE FARM says the " check is in the mail ''. XXXX says they have not received the check. This is XXXX figure money amount. Feel money is being held hostage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on my personal property by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage failed to complete a review of my loan modification submission and request for relief. In addition, they have failed to offer any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for me. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. I ran our financials on the Nationstar Mortgage and Know Your Options website and the result was that we are eligible for a loan modification with a lower payment to save our property. See attached documents. So there no reason why Nationstar should denied our request or foreclose on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with Atlanticus Services Corporation (PA).
Issue: Closing/Cancelling account

Complaint: Hey i have a big problem with Fortiva, i had a tooth problem last year and i went to XXXX because i needed two teeth pulled. They did a check up and said that i needed all these things done and that it will cost $ XXXX+.They checked to see if i qualified for assistance but once i thought about my bills and living expenses i told XXXX dental i could n't afford the monthly payments to pay back the money even if i qualified for a {$3000.00} dollar loan. So i told them to cancel everything.Next thing i know Im being billed like i used the {$3000.00} credit card. On my credit it says i had a high credit balance of {$850.00}. With one 30 day late and one 60 day late and i never would of known none of this if it was n't for Cure XXXX who have been my credit repair savoir 's. My Credit should n't have to suffer because i could n't afford the outrageous $ XXXX debt i would of been in when all i needed was two teeth pulled.This situation is affecting my life and my credit in so many ways, i didnt use any services from XXXX i ended up going to XXXX for my teeth exractions. Please look into this because it has destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-10-2017 about Mortgage (Conventional home mortgage) with BANK OF THE WEST (CO).
Issue: Closing on a mortgage

Complaint: My wife and I relocated to XXXX, Colorado in early XXXX this year. We submitted an offer on a house in XXXX XXXX and started the process of mortgaging it through Bank of the West. When the mortgage seemed to stall, I asked why and was told the appraiser issued a statement that the house we selected was so remote and surrounded by mountains that there could not possibly be a comparable. Strangely, the house is located within the XXXX city limits. After the appraiser made that statement, the bank selected another appraiser, who showed up to look at the house the evening she was selected and then went dark. The bank told me that because of federal law, they are unable to speak to the appraiser and therefore were unable to determine when the appraisal would be complete. The delay resulted in the bank telling me they were unable to close on the date near the end of XXXX, XXXX originally selected. They pushed the closing to XXXX XXXX, but told me they had no way of knowing whether they would be able to close on that date either. As an alternative, the bank recommended that I pull sufficient funds to pay cash for the house from my IRA and then proceed with the refinance process, which would be at a higher interest rate. I said I would wait a few more days, but if I had no alternative to using IRA funds, I would pursue the remortgage process through another bank. On XXXX XXXX or XXXX, we closed on the house using cash from my IRA. I immediately pursued a refinance through another bank. They selected a new appraiser who came to the house a couple days after we started the refinance process. He warned us that he did not think the house was worth what we paid for it. When the appraisal came back, the value was {$19000.00} less than we paid for the house. I called Bank of the West and our realtor and told each of them my greatest fear in closing on a house without an appraisal in hand came true. We had to come up with an additional {$19000.00} to close on the house in order ensure we had 20 % down on the house. If this experience was related to requirements of the Dodd Frank Act as I was told by the bank, I am very disappointed because it means we were punished by federal law rather than protected by it. If, on the other hand, Bank of the West did not do what it should have done to ensure our loan closed on time, I believe this situation needs to be checked into. If the problem is related to issues with appraisers in Colorado, I would like to have that checked into. I have owned several houses in different states and have never had an experience even approaching this one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had this card for almost 1 year now ( well beyond the 8 - 12 weeks timeframe past the initial 3 months bonus timeframe ), so any promotional bonus spending reviews should have been done and finished. 

But my membership account is still frozen and under review, as I can not transfer the points as advertised. 

Please make it so I can use my membership rewards points immidiately - at almost the one year mark of my having the card, the review for any promotional bonus offers should be done and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I had to have the roof of my house replaced because of storm damage. The insurance company is required in the state of XXXX to issue the check to both the home owner and the mortgage holder. In this case Associated Bank in XXXX XXXX XXXX and myself. I was told to endorse the check and send it to Associated Bank. They endorsed the check and mailed it completely endorsed back to me. I thought it was an unsafe practice to send a completely endorsed check through the mail, so when the work was completed and all inspections done, I sent Associated Bank the final check from the insurance company to endorse. They mailed the check back to me with a letter that stated they will not endorse the check unless I endorse it first. After a phone conservation with Associated Bank, their only explanation for not endorsing the check is policy. I think you will agree that sending a fully endorsed check through the mail is an unsafe and unneccessary act. I would like to lodge a complaint against Associated Bank for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank 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 non-monetary relief
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I entered into a 4 month trial mortgage modification in XXXX 2015. At that time I paid a reduce of amount of mortgage until the end of the trial. At the end of the trial I was offered a 40 year mortgage, which I refused. I was told at the time of the modification if I did not choose to permanently modify, my mortgage payment would go back to the original amount. However, I found out a month later that I was charged the difference, which meant I was a month behind in a mortgage payment. I WAS NEVER LATE. Now, I am paying a higher mortgage to make up the difference and they are reporting me late to the credit bureau. It is not FAIR!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is in violation of FCRA, and has FAILED to provide PROOF for it 's actions. 

According to the Fair Credit Reporting Act, credit grantors with a 'permissible purpose ' may inquire about credit information. 

The credit report by Experian contains a section of " Requests for credit history inquires shared with others '' which has the name of the following companies, to which Experian disclosed and is disclosing personal and credit history, WITHOUT AUTHORISATION or PERMISSIBLE PURPOSE:1. XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXAs one can see, the Comments Section for these inquiries state " Unspecified. This inquiry is scheduled to continue on record un- til XXXX 2016. '' Even though, neither does the mentioned companies or Experian have the permission to do so. 
Experian needs to explain/prove the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via public platform/for commercial purposes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX, XXXX, I entered a written dispute with ACCOUNT RESOLUTION SERVICES reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which did not belong to me. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim that the account did not belong to me. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of false reporting.

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 06/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: i am well aware of all the red tape in this world just so disappointed when it comes to my favorite bank capital one. made a dispute OVER DEFECTIVE phone from XXXX XXXX that i did contact them about but never heard back. first dispute comes back saying well you bought it to which i respond i never disputed i bought it so on XXXX XXXX i sent back that IT IS DEFECTIVE. no batteries broken. instead of asking me for further proof which by the way i have never had to provide they closed my dispute. Well i am not paying it. nor should i. One it was not handled right i was not contacted for whatever proof they needed BEFORE they closed it etc. and i still have abad phone. Online Customer serice XXXX XXXX too long. i am super surprised at capital one for this. it had been my card of choice for all reasons. please reverse charge. i am not paying it. i also note for the record NO ONE at XXXX XXXX contacts me in response to my contacts or otherwise. REVERSE charge on card ending XXXX as for contacting me i can only be reache after XXXX eastern. i work so calling at any time is a waste.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem when making payments

Complaint: BBVA Compass advertises its Online Banking everywhere, but they do n't specify that certain products have little to no online functionality when they are trying to get you to sign up for their services. I have a personal line of credit with them and my family relocated to a new city. I had set up mail forwarding at my prior address but statements were never received at the new address ( other institutions were received ). I attempted to change my address online with BBVA, but that process required almost two weeks of them asking me to provide duplicate information as to my new address, and, more importantly, I repeatedly asked why the website indicated a place for past statements / amounts due to show up but they were always blank/incomplete for this account and no one could tell me how much was owed. They did offer to send me a copy of the statements I never received electronically, for a {$10.00} fee, I guess that is their definition of online banking. I have received several auto-dialed collection calls, but I explained to them I needed a statement or some screen on their website to see how much I owed. 

This scenario was only compounded by the fact that I have a checking account opened with them specifically to pay the monthly payments on this account, but they do n't have functionality to let me set this to " autopay. '' As a result, I fear they reported me as delinquent as I was waiting to actually receive a notice from them telling me how much was owed, which was finally received last week. This is at at a time where we are looking to purchase a new home, and the potential adverse credit impact over the life of a loan will be several thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information or id theft victim i sent them

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 01/31/2018 about Mortgage (FHA mortgage) with CORELOGIC INC (TX).
Issue: Trouble during payment process

Complaint: My escrow account is in the negative due to XXXX XXXX XXXX paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to Core Logic the 3rd party carrier and they said they only did what XXXX told them to do. On XX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXX i received a new statement stating my new mortgage payment would be XXXX starting XX/XX/XXXX. XXXX has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I had a business account with PNC Bank, It was unlimited free balance with a condition that they mail me my statements. Last year, they stopped mailing my statements and began to charge me a fee ( approximately {$4.00} a month ) on my account. I was in XXXX XXXX, XXXX and spoke with the manager. He restored the fees and resumed the mailings of my statement. Earlier this year, they stopped sending me my statements thru the mail and in XXXX they started charging me a fee of {$17.00} per month. Since I was out of town, I did n't notice this till XX/XX/XXXX. I went and spoke with the manager of the XXXX, XXXX branch and she told me that she was going to try to get my money back. A couple of days later, she told me that she could n't get my money back but was going to talk to her Supervisor about my situation and that person would call me in a couple of days. I never received the call and returned to her branch. That 's when she told me that she could not return my funds, so I closed my account.

Company response to consumer: Closed with explanation