milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Started receiving phone calls from Sunrise Credit Services. Stated they received my debt from XXXX XXXX. I have active service with XXXX. I called XXXX they stated they do n't have me in debt with anyone. Sunrise Credit Services continues to call me. They did not have my address so they claim they could not send me out a Proof of Debt letter. I gave them my address. They refuse to send me out a valid Proof of Debt letter. The lady said she could email it to me. Gave her me email address. No proof of debt letter. To this date they HAVE NOT sent me out a valid proof of debt letter which is legal under the FDCPA Debt Collection Act. 

They have put this erroneous debt on my credit which is in clear violation. I am requesting that they take this collection off of my credit report before I get my lawyer involved and sue them for violation of the FDCPA Debt Collection Act.

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 10/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Great day to whomever is reading this ... .. 
I am sorry I have to ask to be protected by law but it seems I have no choice, can you help? I would like to request the Laws to be enforced on my " Borrowers Right to Cancel '' and the Law Regulation X. this final rule implements Dodd-Frank Act sections addressing servicers ' obligations to correct errors asserted by mortgage loan borrowers ; to provide certain information requested by such borrowers ; and to provide 1 Public Law 111-203, 124 Stat. 1376 ( XX/XX/XXXX ). protections to such borrowers in connection with force-placed insurance. The lender manages my taxes, and insurance in escrow and it shows in the lenders escrow that they paid for the regular billed insurance and then forced placed others at the same time I had insurance, so I had insurance paid by lender when the forced placed insurance fraud and the refunds were never refunded in my escrow. I have all org. copies of evidence to show that the mortgage added XXXX from XX/XX/XXXX to XX/XX/XXXX and I paid for XX/XX/XXXX insurance that the mortgage is charging me on their paper work the lender is suing me and will not show clear and understandable cost and refunds of the forced placed insurance from total breakdown of cost. Plus the evidence the lender is using was the cancellation of that contract and the lender is with holding evidence from the fax cover sheet that had the cancellation on it. The evidence is easy to get from a third party called XXXX and the info on the issue was faxed on XX/XX/XXXX and the fax cover shows the cancellation and the mod. agreement attached just as the law states. So my request is to have these laws enforced before trail. I am sorry I have to ask for this request but I you can see I had no choice. Just asking for XXXX things from the lender, show in writing that anyone can understand on dates, policy numbers, and cost, and the total paper work on how the lender got possession of the XX/XX/XXXX mod agreement meaning the fax cover sheet with withheld evidence. Thank you so much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Good Afternoon, I 've done a lot of reading about a car loan I co-signed for. I 've and the owner of the car in question to get out of this loan by doing a co-signer released. Capital One bank has refused to work with me at all. The primary who owns the car has moved away to another state and is no longer reachable and another party wants to take over for me on the loan since I have nothing to do with the car anymore. Capital one Bank will not even work at all, Not even offering a refi to have this loan setup for the real owners of the car. I feel like they want to do everything possible to destroy my credit which is already down 200 points. I hope you can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Shellpoint Mortgage is in violation of CA Homeowner Bill of Rights and is illegally trying to inflate property values to deny homeowner legal rights to avoid foreclosure. 

At issue is the Shellpoint illegally refusing to acknowledge market conditions and property damage which directly affects the value of homeowner property. Homeowner is trying to sell the property to avoid foreclosure. CA Homeowner Bill of Rights requires lenders and servicers to work with homeowners to avoid foreclosure. By illegally disregarding hard facts about property condition and the fact that this property has been on the market for 238 days with multiple offers that has fallen out due to property condition they are in fact breaking the law by not taking those issues into consideration. 

Shellpoint is requiring an unreachable and unreasonable price of XXXX for the sale of this home. We are keeping a record of this dispute and will have the option to use this as a record for any potential class action law suits if Shellpoint forecloses and lists this property for sale for anything less than XXXX. This property is NOT worth XXXX and Shellpoint has plenty of facts to back up the true value of the property including recent sold comps and bids for repairs needed for this home but Shellpoint refuses to take that information into consideration. By illegally inflating the property value, failing to realize that a property marketed for 238 days in an area that has an average DOM of 60 days they are acting as a foreclosure mill. Only interested in foreclosing not adhering to CA law in helping avoid foreclosure or working in the standards of real estate law in marketing a property. This is illegal and Shellpoint must immediately cease and desist their foreclosure mill process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: I obtained a credit card from Bank of America that I kept in perfect standing at all times. when payments were due, I always paid double or more rather than the minimum amount due. I made a payment before midnight and not knowing the cut off time was XXXX, was charged a late fee. While discussing the situation with an associate a few days later, she got very out of hand and we wounded up exchanging a few argumentative words. I saw where I was not getting anywhere, decided to hang up. She ( I believe ) submitted a request on my behalf to close the account. Not knowing this until I attempted to pay a bill, called the bank and was told that I requested to close the account. They would not reissue my card unless I reapply and they would run my credit which has a hard inquiry toward my credit score. Should I have to go through this after assuring them that I did not request to close my account? Your assistance is greatly appreciated.

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 08/17/2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Can't contact lender

Complaint: Company XXXX is calling me, my family members, and my friends. They are indicating I have some type of loan due however, can not produce a statement but instead keep directing me to a website. I have no idea what this is and they are calling me and my family multiple times a day and it is harassment at this point. The number they call from is XXXX. If I do have a debt, then they are in gross violation of debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened up an account with simple bank on XXXX/XXXX/XXXX. I then need to update my address on XXXX/XXXX/XXXX. They asked for a selfie with my address behind me, which I gave them, then a photo with me holding my id and my address behind me, which I gave them, and this was exactly what there " options '' stated to give them to verify my residence. They then send me an email stating sorry bu we need more like a utility bill and a photo of my actual house. I told them I do not get bills in the mail everything is electronic and why would you need a photo of my house that is an invasion of privacy. They then stated that they could not confirm my new address even though my selfie with my address behind me matches my id photo I sent them, but that was n't good enough for them. So I then told them I want to close my account and they confirmed that on XXXX/XXXX/XXXX that my account would be closed. I then waited 3 weeks to find my account was still active and not closed at all. So once again I contacted customer service and they then returned to me that oh we ca n't close your account until we confirm your address. So for a week a went back and forth with them on how I followed all their regulations on how to confirm the address and even quoted there document on how to confirm an address where it stated on option 1, to take a selfie  with just your address behind you. The representative then replied saying oh I guess we need to update our regulations on our address confirmation and we still wo n't confirm your address. They literally decided to make up and change their own rules and regulations on me whenever they felt like it. So now I know they are pulling my string to take my identity because they have all my information and even selfie of me. It is wrong what they are doing and what bank needs a confirmation of a new address to close an account. They did n't even need to confirm my original address but they wanted to confirm my new address. My last conversation with them was on XXXX/XXXX/XXXX with them still refusing and I have kept all messages with customer service as proof even stating how they basically changed the regulations on me on their own accord. That is discrimination. I have reported them to the federal reserve and the federal reserve has stated they have now forward the report to the CFPB. Please help as I do not trust these liars as they are potentially taking many consumers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing disputes

Complaint: On XXXX XXXX I made a reservation for a hotel room on XXXX and when I went to check in, they required a huge deposit, which I did not have and was told they could not cancel the reservation but to contact XXXX and ask them to cancel it - which I tried, but was unable to get anyone live on the phone at XXXX. So on XXXX XXXX, I disputed this charge with Capital One and they issued a temporary credit. Then on XXXX XXXX, there was a transaction rebill for that {$74.00} which Capital One stated it was XXXX. The guys at Capital One informed me he would dispute that and make sure it did not appear again, which he did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with The CBE Group, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple daily calls ( 4-6/day ) entirely by automated device, all originating from what Caller ID says is XXXX. The automated message ( s ) claim they are from CBE Group and are seeking " XXXX. '' I have no intention of serving as an unpaid collector for CBE Group and am not physically capable of doing so. I also do not reward, aid or abet wrongdoing so I will not be assailing this person, discussing any of this with neighbors nor engaging in unlawful collection practices with this fly-by-night scam illegal automated caller. 
I do want the peace and privacy of my home back and am not legally obligated anywhere in the world to serve as a message center for persons who may ( or XXXX not ) live in my neighborhood but who definitely do not reside here or have any business whatsoever with me nor I with their finances.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service ((CD) Certificate of deposit) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX and I work at XXXX XXXX XXXX. I am writing this with XXXX XXXX who is a client of mine. XXXX is XXXX and has a difficult time understanding XXXX, so she has asked for me to help her. XXXX had some certificates of deposit with US Bank from XXXX that she wanted to withdraw. XXXX went to the US Bank locations in XXXX XXXX and XXXX XXXX XXXX. XXXX states that both locations did not help her or show her what happened to these funds. It is possible due to XXXX 's age that these funds have been withdrawn, however US Bank. When she went into the US Bank locations she was told they do not have record of those certificates. XXXX would like to see proof of what happened to these funds. Whether they were withdrawn or transfered, she believes that she should be shown a statement or some sort of proof instead of being told they do n't have those records. We did contact US Bank over the phone to inquire about this and were told that this information could only be completed in one of their offices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My parents took out a private student loan through XXXX XXXX in XXXX 2004. I was the XXXX co-borrower on the loan. It stared out as a {$22000.00} loan. I had asked that the loan be cancelled but my parents decided to keep it for their personal use. Throughout the years my family had defaulted a few times and has affected my credit. XXXX XXXX changed to Navient. When they switched over, Navient made a payment agreement with my parents to get back on track with their payments. My XXXX questions are : When this loan was refinanced through Navient, should n't I have been allowed to take my name off loan? I never signed off on any paperwork. 2 : I feel that there is something wrong mathematically as to why this {$22000.00} loan has a balance of {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: Excerpt from my   XXXX   XXXX   XXXX   letter to C apital One B ank : Dea r Sir/Madam : I  am responding to multiple conversations I had with representatives of your bank on   XXXX   XXXX   XXXX  . I spoke w ith three of  your Representative/Agents :  XXXX ,  XXXX  and  XXXX  regarding the fact that although I barely using the card, and pay the bill in a timely manner, paying an extra {$10.00} in an effort to reduce the balance, the balance consistently increase rather than decrease. Below is the information that I was given by your representatives : They could only go back to  XXXX  ( I have had this card for at least 25 years ) ; I was told that because the interest rate on cash advances is higher than on purchases, that a lesser portion of my payments are applied to any purchase balance with a portion of the purchase balance then added to the  cash advance balance, thus Capital One is allowed to charge a higher interest rate. The last cash advance that showed on my  record was {$20.00} in   XXXX   XXXX   XXXX  . From that {$20.00} I now owe {$1000.00} on cash advances even though I have not misse d one si ngle monthly payment and pay as much as I can afford over the minimum requested ( usually $  XXXX  {$20.00} ) in an effort to pay the balance down In fact, your representative was not able to tell me why I owe your bank {$1000.00}, other than that single  cash advance. One of t hem did offer to refund 3 months of interest at {$25.00} per month, which I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, my husband withdrew our entire balance of {$350.00} in person at the XXXX, Ma. Bank of America and instructed the teller to close the account. The following month we noticed a {$5.00} service fee and contacted Bank of America via chat online. The person said they would close the account and reverse the fee. The following day it appears they reinstated another fee followed by XXXX in XX/XX/XXXX and XX/XX/XXXX. My conversation this evening with a Bank of America rep over the phone left me with no results to close this account and stop the fees. At that point I did inform them that I was filing this report and intent to visit the branch and have no intention of paying fees on a XXXX balance account that they were instructed in person at the time of withdrawal to close.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company Making RoboCalls : Municipal Services Bureau Their Phone Number : XXXX My Complaint Against Them : I am retired and have been debt-free for over 30 years now. I keep getting RoboCalls from this company, and they do n't even mention me by name when-making these automated-calls ... which leaves me to believe it is some kind of SCAM or MISTAKE on their-part. Perhaps they are 'seeking to find ' someone ELSE, however - it ANNOYS me to be getting 8-10 calls a WEEK from these people ...! Are-they 'human ' - or are-they ... ROBOTS?

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I open an account with XXXX XXXX ( furniture ) they changed my payment to sychoney Bank ( speliing may noy be correct ) .This account was open in 2010. Begining balance {$2800.00} 6 month later added {$1800.00} I started paying for the first 2 years {$240.00} a month and some month {$270.00} later dropping to {$180.00} for about 2 years now {$140.00} for the last 8 to 10 months and I have a balance of XXXX. I am being charged double in interest of the amount of the cost of the furniture. I do underI have to pay intrest but to pay double what my purchase was is robbery. Please help me with this in any way you can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2017 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to call my phone number and did a skip trace and has consistently called XXXX of my family members. They state they are not a collection agency and are a legal aid firm for XXXX. They claim I owe them {$16000.00} and need to settle or they will sue me. I have asked for a validation of debt notice as I have never received any correspondence from them. They state I need to call XXXX and refuse to mail me any documents. They will not give me their address to mail a cease and desist letter. I am unable to stop the phone calls and they are harassing me and my family. They claim to be based in XXXX, NY. They have violated a countless amount of FDCPA related laws, but I am unable to continue the process without them giving me any information.

Company response to consumer: Untimely response
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I 'm extremely exhausted with Ocwen loan servicing because they have made it impossible for me to get anything. I have been trying since XXXX to get a resolution for my mortgage which is very high at a 7.6 pct interest rate. they kept denying my application even when they told me everything was OK. on  XXXX XXXX 2017 at XXXX. I received a phone call from an ocwen employees name XXXX XXXX she a relationship manager at ocwen told me that the loan was denied so I ask why. her response to me they could n't come up with a modification because the loan is being paid monthly, and if I need a modification. I should leave the loan unpaid for 90 days, and they would give a modification, and her second option was for me to go a refinance with another bank because ocwen do n't want me as a a customer when in fact I had this house for over 10 years all I have been paying is interest rate that is very high. Ocwen have violated federal and state laws yet again by providing me with misleading information so I can lose my home, and become homeless because I 'm retired and my saving have getting depleted and ocwen have all my document. they made impossible i do n't know how long I can keep this home because they keep violating mortgage servicing rule.

Company response to consumer: Closed with explanation