milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint with CFPB regarding Ditech Financial and their accounting practices and holding mortgage funds in suspense and creating an excessive delinquency. Since my original complaint, Ditech has began returning my mortgage payments. I have made bi-monthly/bi-weekly payments since XX/XX/XXXX. At one point the mortgage company did the auto-draft payment withdrawals every 2 weeks. I stopped the payments when my pay days changed and I was unemployed. However, I continued to send in the payments. Ditech always accepted the payments until XX/XX/XXXX. I believe that it is retaliation for the letters to my US Senator and for filing a complaint with CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Shopping for a loan or lease

Complaint: In 2012 I purchased an automobile from Nissan. While shopping for a loan, the dealership processed 2 loans, 1 from Nissan Motor Acceptance and the other from XXXX XXXX XXXX. Only 1 loan was valid, and payments have never been late. The Nissan loan was canceled and no payment was ever due. This information is only reported as negative at XXXX, and not at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove a waived/recorded tax lien release when XXXX and XXXX have promptly done the same. The tax lien release was released under the IRS Fresh Start Program, intended to give tax payers a " Fresh Start '' and ability to clear their credit report. Equifax 's actions are inconsistent with the IRS program and seem to be a rogue agency, inconsistent with others in the industry and may violate my rights. I understand they continuously refuses to delete these types of items for consumers. I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid of my mortgage loan with PNC Mortgage on XXXX XXXX, 2015. I have contacted them XXXX times requesting the balance in my escrow account. They had taken out XXXX and XXXX pmi insurance and I told them they have to prorate XXXX and they said they would. To date I still have not received a check from them however, I received a letter of denial regarding the prorated amount for the pmi insurance. I contacted the company again today and no supervisor was available they said they would call me back. The correct amount owed to me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried freezing my credit on XXXX/XXXX/XXXX at XXXX, Transunion, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This complaint is on US Bank for failing to correct credit bureau reporting. I have been a customer in good standing with US Bank for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXXand both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: Capital One Bank issued me a XXXX for 2014 in the amount {$5200.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2014 included same amount. Capital One has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be listed as " {$0.00} BALANCE, PAID IN FULL ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: When we were applying for a mortgage, we were approved up to $  XXXX  by Bank of America . We found a house that was only   XXXX   and our Mortgage Banker at Bank of America guaranteed us they would issue a HELOC of  XXXX  after we moved in. They have now come back and reneged on the deal we ha leaving us with a house that needs 150K in work. In effect, they left us stuck in a mess due to their dishonesty..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX,2017 I mobile deposited a check from my former employer XXXX XXXX XXXX XXXX in the amount of {$1400.00}. On XX/XX/XXXX I was debited this same amount from my account with Citizens telling me that the check was cashed again. I went to the nearest branch to sort it out. They told me that it was cashed through a XXXX account. I was unaware of this transaction and realized that this check was stolen either from my car or my bag. I went to XXXX to let them know that my account was used in a fraudulent manner by one of their clients XXXX XXXX XXXX with the telephone number of XXXX XXXX XXXX as he used on the back of the check that was stolen when he deposited it to his account. This was done with XXXX XXXX Branch Manager of the XXXX XXXX branch of XXXX XXXX XXXX XXXX XXXX MA XXXX his number is XXXX XXXX XXXX. 
At first it seemed as if this would be taken care of but than I was contacted by XXXX XXXX from the office of the chairman at Citizens Bank. She informed me that I violated the terms of Mobile deposit by not voiding check and disposing of it properly. Obviously I had n't the opportunity to dispose of it properly as it was stolen from my property. I submitted another claim on XX/XX/XXXX and the money was returned to my account for a day and than debited out again as XXXX XXXX from the office of the Chairman launched a new investigation. We spoke on the phone on many different occasions culminating in a phone call on XX/XX/XXXX saying that I was liable as the agreement stated the proper disposal technique after mobile deposit. 
I followed up with XXXX at the branch where the check was deposited with CSR XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Tel. XXXX XXXX XXXX he stated that the account funds from the deposited were withheld and that XXXX fraud department XXXX XXXX XXXX XXXX has been waiting for Citizens to contact them to straighten everything out and refund my money to my account. During all this Citizens has made me seek affidavits from my former employer XXXX XXXX XXXX XXXX XXXX which he has been waiting for Citizens to send .Fill out a police report which I have done, Yet they still maintain my culpability in a case where I was the victim of theft. I find this truly unacceptable and hope you can expedite a solution that returns my funds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: A XXXX XXXX XXXX XXXX employee allowed her boyfriend to enter my home when I wasnt home and steal my homedepot credit card and jewelry tools etc, after stealing the card he made several purchases with the card, I did not give him the card or authorize him to take the card, I did not authorize him to make purchases, he stole the card and used it to buy merchandise, I contacted the police and made a police report and contacted Home Depot as well to inform them and have the card discontinued so he could no longer use the card, he stole my identity and committed fraud, I filed a fraud report claim with Home Depot they have refused to accept the claim, in addition increased interest and finance charges, they have accused me of leaving the card out for the stealing and fraud, and informed me that my claim was not substantiated however the have video tapes and his signature and hers on purchases, as well as police reports. In addition they refused to issue me another card or give the access code on the stolen card so I could see the account information to take proper action, delaying my right to protect my self, Homedepot treated me as though I was the criminal and deserving and responsible for being a victim of identity theft and fraud.

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 04-04-2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Credit card protection / Debt protection

Complaint: On two occasions, one in XX/XX/XXXX and XX/XX/XXXX, my checking account XXXX, was compromised for the amount of {$500.00} to pay on my Citizens Bank Credit Card Account,XXXX without my authorization. 
Again on XX/XX/XXXX this happened again when I made a monthly payment of XXXX dollars XXXX/XXXX, to the credit card account and the bank " took '' " without authorization '' XXXX dollarsXXXX/XXXX as a credit card payment on XX/XX/XXXX. 
I called Citizens bank and they 're very incompetent over the phone and have incompetent persons asking irrelevant questions and not solving problems. 
Twice this year and I 'm afraid that my account has been compromised! When I told this to the Customer Service Representatives, they had no solutions to this issue. 
I need the Commission to look into this matter because the Bank '' Citizens '' is n't functioning in a normal fashion in the interest of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Seven years ago, I contacted CCO mortgage to re-financed my XXXX mortgage when my personal business sales started to decline. However, after four years and multiple denials for re-financing, in early 2011, I reached a point that I could no longer pay either my XXXX or XXXX mortgages in full. I then applied for a loan modification, and was turned down yet again by CCO. In XXXX 2011, with the help of XXXX ( XXXX ), I successfully obtained a loan modification on my XXXX mortgage, so I immediately contacted CCO to request their assistance to modify my XXXX mortgage since my XXXX mortgage had been modified. CCO told me they could not modify the loan because they had made a decision to charge it off, and the mortgage was no longer active and unavailable for modification ; however, they still expected to receive payment of the loan. CCO said the charge-off would be reported only once to the credit bureaus and that it would not be a recurring delinquent report, but I would have to make provisions for me to re-pay the loan without interest under a new payment agreement. I met with a CCO Mortgage representative, and made a new agreement for a monthly re-payment amount, and began making payments to them. However, the recurring negative reports started immediately and when I disputed them, they not only refused to discontinue the negative them, but also added a cumulative delinquent amount, and information that implied that the loan still active ( when they told me it had been closed out ), but that I was " X amount '' delinquent in my payments, and that amount increased each month. So, I am now in a position, when I 'm repaying a loan under a new agreement, but it 's being reported delinquent under my old mortgage loan number. CCO apparently is trying to destroy my personal credit on an on-going basis, but it 's also destroying my ability to obtain business credit where I have to be personal guarantor. In fact, XXXX XXXX XXXX closed XXXX of my business credit card accounts after reading the negative information that CCO 's derogatory reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I contact Navy Federal Credit Union not being able to complete or add a biller for payment. The Customer Respresentative told me that only way me to add new biller I must have desk top computer. I explain to the Customer Representative that I do not have desktop and I only could access my account via IPAD and IPhone. Why is that account access does allow you access you account and setup bill payment on other device then desktop. Because I 'm unable to pay my bills this process should available thru various tech equipment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Payday loan debt) with Resurgent Capital Services L.P. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In   XXXX   XXXX     while trying to refinance my home, i found a lots of credit inquires i did not initiate, including a   XXXX   XXXX   CC i did not apply for. I Filed with   XXXX   XXXX   XXXX   and completed the process ultimately freezing my credit. I had multiply accounts removed from my credit and thought i was done. One of the accounts removed from my credit by  XXXX  was from  XXXX  funding who i assume once it was removed from my credit sold it to  XXXX   XXXX  bank. i then disputed the information again with  XXXX   XXXX  bank and received no response from them. And now a new company called Resurgent capital Services is try to take over the already deleted debt, sending me threatening letters and providing vague information in letters saying it is the information i requested. I specifically requested information regarding the bank account information they supposedly sent the funds to, because i received no such funds, in addition i have never lived at the address they have listed in association with my name. I have filed police reports and they are included in these reports. I am requesting the CFPB take action against this company because now they are sending letters stating i have not provided enough information to " support your claim '' of fraudulent charges. i am very concerned because now they are sending forms to fill out requesting all of my information ( id. drivers lic number address, SS number, past addresses, DOB, Police reports, ETC. ) which given the lack of information they seem to posses now feels like even more of an infringement of my privacy. Please advise. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent it a dispute various times since it does not follow the XXXX reporting regulations. When I received a response from them, I asked for information on how it was verified and did not get a response, only a letter saying it was verified again.

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 06/17/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Closing/Cancelling account

Complaint: After a recent evaluation of my credit report/score I noticed that my credit score had gone down from over XXXX ( excellent ) to around XXXX ( poor ) without having any credit or financial issues. 
Curious as to what had happened, I learned that the sole cause of this distress was the merger of XXXX XXXX and XXXX XXXX and their credit card programs. 
I was issued without request a new credit card, and desiring only XXXX card, my old credit card was erroneously terminated. 
I had used the card since XX/XX/XXXX as my main credit card, but as a result of this mix up, my history now no longer goes back to XX/XX/XXXX but only to XX/XX/XXXX. Another involuntary effect of the change of card was that my credit line went from XXXX to XXXX, triggering a high usage ratio. 
This loyal US airways/XXXX card customer has contacted the issuing organization, but all they are willing to do is increase the credit limit on the new card, after pulling and lowering my credit score even more, and not restore the longer running card and restore both my credit limit, history and consequently report/scoreIt will be clear that this reply is not acceptable and that further discussion as well possible legal actions are contemplated as:1. I did not request the new card issuance. 
2. Implied was that the old card was to be replaced going forward. 
3. Not enough care, explanation and implication was provided to an unknowledgeable consumer when approaching the issuing organization to only have XXXX card and terminate the older one. 
4.Financial and reputational damage is incurred. 
Finally, not a legal argument, but a loyal and credit worthy customer as of XX/XX/XXXX deserves a better treatment. 
Therefore I hereby request through the appropriate channels to either reinstate/merge my former US airways/XXXX credit card or increase the credit limit on the new XXXX/Barclay card accompanied with a communication to the XXXX credit rating agencies, restoring my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I rehabilitated XXXX loans through XXXX which were then transferred to Navient on XX/XX/2017. At the end of the rehabilitation program, 16 % collection cost fees were added to the principal followed by a 1.5 % Rehabilitation writeoff. The totals were {$48000.00} principal, {$8000.00} collection cost fees, and {$1100.00} Rehabilitation writeoff. The total principal transferred amount transferred from XXXX to Navient barring interest was {$55000.00}. ( confirmed by XXXX ) Navient is stating the total is {$55000.00} plus an unpaid collection cost of {$1100.00} for a total of {$56000.00}. They are charging me for the fees that were written off by XXXX. I have filed two disputes with the Office of the Customer Advocate at Navient and received the exact same denial response document both times. They are very unhelpful over the phone and claim to not have any answers. They schedule a supervisor to call and discuss but the call never comes. They are unwilling to discuss the disputes I have with the additional charge.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase mortgage continues to charge me {$15.00} for fees but when I call to inquire what the fees are for no one can tell me. I am current on my loan and this {$15.00} could be going toward the principle on my loan so I can pay it off sooner. All I get when I speak with someone is a promise they will find out what it is and they will call me back but I never get a return call. You assistance in this matter would be greatly appreciated. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Medical) with ESCALLATE, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i been paying this sence XXXX i asked them to send bill. they said no. just send money. they wont send a bill but will add interest and late charges. i dont know how much i owe anymore. it 's been along time.

Company response to consumer: Closed
Consumer complaint received 10-09-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX I checked my credit and noticed fraudulent accounts were deleted, but after the XXXX breach happened, all of a sudden the fraudulent student loans and a car loan are BACK on my credit report. I have been in XXXX  for several years and someone attempted to go to school on my credit expense. In XXXX my XXXX disputed on my behalf and the same loans were deleted, but now all of a sudden they are back. 

Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. 

Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher

Company response to consumer: Closed with explanation