AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: I signed-up for a Navy Federal Credit Union ( NFCU ) savings account using their web form. The ( extensive ) disclosure statement provides NFCU the industry-standard capability to monitor a member 's credit, presumably for specific targeting of services. I receive a credit monitoring notice that NFCU performed a " hard '' credit check XXXX the kind normally reserved for applying for loans and credit cards ) and not a " soft '' credit check XXXX the kind used by credit monitoring services and targeted marketing ). A representative tells me that NFCU *implicitly* reserves the right to perform whichever kind of credit check they like. I have two problems with this : ( 1 ) I did not apply for credit and ( 2 ) I do not believe that I provided consent for a hard credit pull. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: There are addresses dates and phone numbers on file are not mine I have a rental agreement from 2009 till present that shows that I did not live in these places those years 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have had a delinquent status on my credit report for almost seven years and have heard that these types of things will be removed after a specific amount of time. I was wondering if I can have it removed off of my report. The delinquency is related to an apartment I had shared with someone who I am no longer in contact with and am unable to receive money from, not to mention the amount owed was doubled from what it originally should have been and I am unable to afford the ridiculous amount owed to it and they will not work with me on what I can afford. I have been declined for things through out the past 6 years because of this delinquency ( also the original owners of the apartment complex are not even the owners anymore ). I have been trying to rebuild my credit history but am unable to raise my score based on this XXXX delinquency, please help me in removing it. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like the reported information updated and removed from the report 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX ( XXXX ) " transferred '' our loan to Specialized Loan Servicing ( SLS ) XX/XX/XXXX. First, they did n't give us any notification and our only indication the loan had been transferred was when an invoice did n't arrive from XXXX. Second, there was a substantial lag in the transfer of our information to SLS and we were unable to remit payment until XXXX 2016 ( at which point we paid for both XX/XX/XXXX and XX/XX/XXXX, bringing our account up to date ). Further, when the information transferred, confirmation of our condo insurance did not transfer and SLS initiated proceedings to provide insurance, despite repeated contact from myself and my insurance agent. On XXXX XXXX, 2016, we received a packet dated XXXX XXXX, 2016, with loan modification paperwork and information on how to avoid foreclosure. When I contacted SLS customer service, they were unable to confirm whether they were merely servicing or whether they had purchased the loan and while they confirmed that our accounts were up to date and they had received our insurance information, they were unable to provide contact information for filing a complaint or reference numbers for the call or any notations made to that effect in our account file. I expressed my concern that they were deliberately misrepresenting the state of our account in an attempt to get us to change the terms of our loan and they threatened to discontinue the call if I continued to " go down that road. '' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: In XXXX I took out a car loan with Citibank which put a lien on my title. Down the road they sold the loan to XXXX bank. In XXXX I made my final payment to them but never received a lien release. I contacted Citibank several times, but they were of no help. 
So where do I go from here ... .Any help that you give me would greatly appreciated. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I was charged a Foreign Transaction Fee by my credit card when I had no idea that I was making a purchase from a foreign firm. 
Details : I purchased a music app subscription from a website called XXXX from my computer in the US and was charged in US Dollars. My card agreement does allow for a 0.8 % transaction fee to be charged for foreign transactions made in USD. My issue with this practice is that I had no idea that I was making a foreign purchase and I do n't believe the " reasonable person '' test applies either. I bought from a .com domain from a US computer and paid in USD. My receipt has a XXXX XXXX address at the bottom. Nowhere on the website does it mention that the firm is based in XXXX. 
My bank did agree to refund the fee one time as a courtesy, but I have an issue with the practice of charging a fee when a reasonable person has no reason to know that he/she is going to be charged. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I paid my mortgage to Wachovia Bank. Almost every money I earned went toward this mortgage. The bank collected my mortgage for years. was told, XXXX XXXX handled the books for the bank. XXXX XXXX would send me notices also about my account. I was also sending them money also. No one let me know that XXXX XXXX was no longer part of Wachovia Bank. I was paying XXXX mortgages and did n't know it. The bank should have let me know if they had made changes with XXXX XXXX. Between Wachovia Bank and XXXX XXXX I paid XXXX notes for years and still lose my home. Wachovia Bank should have let me know if XXXX XXXX was no longer part of the bank. XXXX XXXX notices still had Wachovia Bank name on their letter heads. 

Company response: Company chooses not to provide a public response
Consumer complaint: My wife has a XXXX XXXX XXXX sky miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help 

Company response: Company chooses not to provide a public response
Consumer complaint: While I was in law school I received a phone call from ProCollect, Inc., and a letter to my mother 's address claiming I had a balance on my account for a medical visit. When I asked for documentation so I could pay the bill, they refused and demanded payment of the amount stated verbally. I had no recollection of a past visit to which I owed a balance. I responded in writing to the letter and received no response. When I followed up online via their Chat assistance, they claimed it was for a visit in the XXXX XXXX area on a date I was in XXXX, Texas, and at a hospital I have never been to. Also, I have always had health insurance and anytime I went to the hospital it would have been filed on the insurance for my records and I would have had to made a co-pay the date of the visit. My insurance records show no evidence of a Doctor 's visit on the date stated either. Now, ProCollect, Inc., has reported the debt but claimed it was " PAID '' on my credit report. This makes no sense as I have never made any payment to the company, I have disputed the charge and requested proof of my balance to which none has ever been received. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have resolved a credit issue and am in possession of the letter from the creditor to delete the record from my credit report. I tried to use TransUnion website to do this but it is fraught with technical problems and the process failed. I proceeded to call the telephone support number which is XXXX XXXX. These people registered the case but I am unable to supply supporting documentation ( the XXXX page letter ) because 1. the FAX number at TransUnion does not work, 2. they do not use email and 3. they request I use snail mail which will delay removal of the offending record. The process will take at least a month and many calls to TransUnion to resolve. This is effecting me very badly. Should not take so long. With lives in the balance these companies should be required to fix credit reports on demand, within 24 hours. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting financial information that is incorrect in regards to XXXX XXXX XXXX XXXX. I logged on to my account with opm.gov.cybersecurity on XXXX XXXX, 2016 and noted that Experian has not removed this item. 

Experian 's website will not let me challenge the derogatory item. 

Attached is XXXX 's letter of XXXX XXXX, 2016 along with a screen shot of my credit report from the US Office of Personnel Management account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Im trying to pay off my mortgage in full by means of a check issued to myself & Nationstar from my insurance company XXXX XXXX. Im having problems getting them to resolve how to get the {$25000.00} that was over the mortgage payoff ammount. First they claimed to have recieved the check but lost the notorized paperwork that was sent with the insurance check. After I faxed the paperwork they lost when I called back Customer Service said the Loss Department was the next step & transfered me to the Loss Department. The Loss department said that this had to be handled by Customer Service & transferred me back to Customer Service. When Customer Service answered again they tried to send me back to the Loss Dept. I requested to speak with a manager several times but was put on hold for up to 20 minutes & never got to speak with a manager. This has been going on for 3 days now & Nationstar will not resolve or even acknowledge this issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Navy Federal Credit Union closed my share account, credit card, and CDs without any notice. There were no late payments. My credit score is more than XXXX ; and there is no explanation of where the cash is. This occurred to the bed of my knowledge overnight. Again - without any notification. This will reflect negatively on my credit score as this credit card is XXXX of my longest standing cards. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, for LOWES BUSINESS ACCT/SYNCB, Payable at XXXX, GA XXXX, and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank ), for LOWES BUSINESS ACCT/SYNCB, is as follows ; The paperless solutions for this business line of credit are grossly inadequate, and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company, a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally, I never received vital communication about changes to my account and to the terms of my credit agreement. 
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails, even before today. 
My first email to them today at XXXX ( they only allow XXXX characters per email so there are four ) stated that I want synchrony bank to do at least ONE of the following three suggestions : 1 Integrate with MINT.com. 
2 Set up payments online as recurring payments. 
3 Set up payments online in advance ( further than 30 days ). 
I then asked them to remove all late charges from my account and credit the money toward my back due payment and credit the remainder toward any upcoming payments. 
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month, and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation, there was a XXXX late fee charged on XXXX, XXXX, XXXX, XXXX. Thank you. 
My third email at XXXX stated : I am also filing a complaint with https : XXXX asking you to answer for your unscrupulous business practices ... even if it 's legal ( which I 'm not sure of either ) it is clearly a set of business practice calculated to create additional charges to your consumers. 
The fourth email I sent them today stated : I wish to terminate my credit line and I want 6 months to pay it off from the date the account closes. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have a mortgage which was assigned to Greentree and now they call themselves Ditech. I have my payment to auto debit out of my account every month on the XXXX when it is due. They took it out on the XXXX ( not a problem ). I got a call this morning at XXXX from Ditech asking me to make a payment, I informed him that the payment was already set up on auto debit from my account, his response was oh I see that. Well it is still pending. Why am I getting a call 2 days before my payment is due when the payment will be there on the day it is due? Also let me state NEVER have I been late in the 12 years I 've had my mortgage. NEVER did the other banks that I 've had to make my payments to in the past called me and harrassed me as much. When it was Greentree they called me asking for payment the day my check cleared my bank which is why I went with auto debit but I guess that is n't good enough for Ditech. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: In XXXX 2015 I bought a foreclosed property owned by U.S. Bank National Association. We closed on the house on XXXX XXXX, 2015. Upon Inspection of the Settlement Statement ( HUDXXXX ), it was discovered that there was an error in how the prorated property tax was figured and I was shorted by about {$260.00}. I have been in touch with the settlement agent XXXX XXXX XXXX XXXX on several occasions. They acknowledge the error and they have said that they have referred the matter to the seller ( U.S. Bank National Association ) for payment of the amount they shorted me. However, After more than 5 months, I have not received the payment due me. I am attaching a copy of the Settlement Statement and copies of all emails between me and the settlement agent documenting all our interactions regarding this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is not responding to my requests to investigate and remove some accounts from my credit report. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX This item does not belong to me, and it keeping me from getting a job. 

Company response: Company chooses not to provide a public response
Consumer complaint: I purchased a washer/dryre from Sears in XX/XX/XXXX. I made regular payments and was never late. In XX/XX/XXXX, I made a payment on the due date and was immediately turned over to collections. With the proof that the payment was not late, I contacted Citibank and demanded that their mistake be corrected. When I tried to make my next payment, I was unable to do so because a survey came up that demanded ansers to questions that had nothing to do with my online account. The survey requested a home phone number which I did not have and they had my cell phone number. I was locked out of my account. I had sent 20 emails, which I still have. They were all blocked and none of my calls were returned. I received no paper statements and when I tried to access my account, I was unable to do so. I then sent them a check for payment in full for the last balance I could access. My check was returned to me with no explanation. This account was then turned over to collections in XX/XX/XXXX. It did not say that it was for Sears and after many calls to different collection agencies I was refused the information as to what account this debt was originally for. I refused to give my private info and pay a debt when I could not get the name of the original creditor. This month I received another letter from XXXX XXXX with all of the information for this account and it was the first time I was told that it was from Sears. I paid the balance on this through the collection company which was less than the check I had sent to Sears 4 years ago. This is ridiculous and should never have gone to collections. I have since called citibank and they have said they have no record of this account. I have been put throuhg a huge hassle and had my credit negatively affected by their poor customer service practices. I still have every email and letter that I sent to them. They never tried to resolve this matter with me directly. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I applied for a XXXX Credit Card with US Bank with a FICO score of XXXX and wasrejected and I have been treated very unfairly by the bank.. 

Company response: Company chooses not to provide a public response
Consumer complaint: Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so. 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: I am a victim of Identity theft, as soon as I was notified of this I immediately informed the FTC as well as all XXXX major credit bereau 's and any corresponding debt collectors or agencies. I initiated several disputes in compliance with federal law. My disputes were granted and the fraudulent info was removed from all XXXX of my credit files. As of XXXX/XXXX/2015 I was given notice by letter from the reporting agencies stating that after a thorough investigation my disputes will be honored and this fraudulent information will forever be removed from my credit file. The false info affecting my credit file is XXXX XXXX. This fraudulent info has now reappeared on my XXXX credit report again and displays even more fraudulent info that is inconsistent with the initial claim : I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, 2015 Collection Agency I C SYSTEM Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2015 Closed Date -- Responsibility Individual Balance {$230.00} High Balance {$230.00} Remarks Placed for collection 

Company response: Company chooses not to provide a public response
Consumer complaint: Subject : My lender ( Flagstar Bank, MI ) refused to terminate my Private Mortgage Insurance ( PMI ) after I meet all conditions. 
I sent letters, e-mailed and called the Flagstar bank requesting for my PMI waiver as early as XXXX, XXXX. But my request has been rejected because I saw {$160.00} of PMI was still charged on XXXX XXXX, XXXX. I meet all conditions : XXXX payments have been made since the origination date of the mortgage. 
No monthly payments were more than 30 days delinquent in the last 12 months. 
No monthly payments were more than 60 days delinquent in the last 24 months. 
There is no late charge My Loan to Value ( LTV ), calculated by dividing the current principal balance ( {$290000.00} ) by the lesser of the original appraisal amount ( $ XXXX ) or the purchase price ( $ XXXX ), is 65 % now, far less than required 78 % or less. 
Hence, based on The Homeowners Protection Act of XXXX ( the " PMI Cancellation Act '' ), the lender must terminate my PMI automatically on the date when my loan balance reaches 78 % or less of the original value of my home. But they refused to do so, let me know if you can help and the quote. 
Thanks very much for your time, XXXX XXXX XXXX XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I pay an annual fee to US Bank for my credit card. XXXX of the benefits of this card is that it has a benefit, the says the last night of my award booking is free. I have had this card for 2+ years, I understand how this works. This year, right after I paid my fee, US Bank announced that they will discontinue the free night benefit as of XXXX 2015. The free night offer was listed on the credit card application from US Bank. I wish the Annual fee to be refunded and a bonus of XXXX points be put in my account as damages to me 

Company response: Company chooses not to provide a public response
Consumer complaint: I returned a cable box to XXXX and now I have received a letter stating that I never returned this cable box and now owe money. The company that sent me the letter, ERC, is a notorious debt collector know for fraudulent practices. 

Company response: Company believes it acted appropriately as authorized by contract or law