milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I deposited a check into my XXXX XXXX checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called XXXX XXXX  last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.

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 04/16/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had my federal student loans at multiple places, XXXX and XXXX, and applied to have it consolidated, to XXXX. During the consolidate however XXXX decided that they to sell my loan, to XXXX. XXXX never bothered to verify that information was still accurate after they completed their process before they sent the money. XXXX is now charging me for the new consolidated loan even thought the original loan still exists. XXXX has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have received it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing 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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Bank of Albuquerque and after paying it off, paid in full XX/XX/2017, they reached into my bank account and took more money from my account ( XX/XX/2017 ). They were in no way entitled to this money and as such this constitutes a theft from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to this account they are reporting allegedly on my credit report. To date, I have not received any validation document from this company. More than 30 days have already past and this account is still unvalidated. The account number, balance, opened date, date account assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Student loan (Federal student loan servicing) with MOHELA (OR).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have worked in the public sector for over 15 years. I graduated from school in XX/XX/XXXX, and have been paying on my loans since then. In XX/XX/XXXX, I knew about loan forgiveness for public sector employees. I contacted my loan proceeded in XX/XX/XXXX and asked what I needed to do to qualify for the loan forgiveness. At that time, I was set up on an automatic withdrawal to pay the amount every month at about {$350.00}. I have not missed a payment since XX/XX/XXXX. In XX/XX/XXXX, my loan was taken over by Mohela. I left everything the same, even though my principle ( which had doubled to {$42000.00} ) was not decreasing. Today, I talked to Mohela about getting that loan forgiveness, and they told me that I was enrolled in extended payment ( with am expect repayment date in XX/XX/XXXX which is 35 years after taking our the loan ), and extended payment doesnt qualify for forgiveness. I have been paying on time for 9 years, with the principle of the lon not decreasing. When I talked to a supervisor about this, they told me they were sorry and that the extended loan repayment was to help consumers. How can they even try to say that? I will also be writing my senator and congress representative about their predatory practices. This is disgusting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with Millco Management (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collector sent letter requesting payment for two year old debt ( XXXX XXXX, XXXX ), owed hospital/E.R., physicians ( {$320.00} ) that was paid, partially by XXXX ( XXXX XXXX ), hospital write off leaving balance {$26.00} paid by patient. NO WAY hospital would have held onto this balance for nearly 2 years. My efforts to obtain the information from collection agency AFS, about who ( name, phone number ) submitted this claim has been non-compliant. They only want my credit card info for collection purposes. I am following the advice of my insurance company who have offered to supply information supporting my claim, as well as hospital records, if needed. I feel the collection agency has illegally obtained outstanding medical records, declined, perhaps, by XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit report and millions of others were hacked via Equifax in XXXX 2017 putting me and many others at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FORD MOTOR CREDIT CO. (ND).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX payments due on XXXX XXXX and XXXX XXXX, 2015 were reported as 30 days late. Although late, they were clearly paid prior to 30 days past due though my electronic banking, refer to the attached bank statements. They both exceeded the minimum amounts due and there was no outstanding balance. I am not reasonably responsible for electronic lags, days off, business hours, or other overly broad/technical system variations beyond consumer control, if any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: PNC ( a.k.a National City Bank ) does not address my complaint in the least bit of the aggressive appraiser they recommended and the gross negligence on their part. The lack of their due diligence is mind blowing and they took complete advantage of me as a consumer. When they sent foreclosure papers to me in XX/XX/XXXX I reached out to XXXX XXXX XXXX at PNC immediately and faxed her a letter giving them permission to contact me. I find it ironic that they say they ca n't contact me " due to a ceased and desist on record '' but on XX/XX/XXXX XXXX at XXXX I have a saved voice mail from XXXX XXXX XXXX who represents PNC Bank on my personal cell phone. I have since called both their desks and left voicemails multiple times and continuously sent faxes authorizing them to contact me and have gotten no response in return. I feel that they are jerking the CFPB around and me as a consumer because they know that there is gross negligence and a lack of due diligence on their part. I need your help CFPB on this please. Please advise as soon as possible. Thank you in advance. 

Respectfully, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I are XXXX. We purchased our first home on his VA loan cert 30 year fix loan in XXXX. We filed Chapter XXXX in XXXX after the housing market crashed. The CHXXXX was discharged in XXXX XXXX. The bank has not removed our names from the Title due to the Soldiers/Sailors Civil Relief Act. Stated although there was a court order lifting the stay, ( allowing them to foreclose or short sale ) they could not remove our names from the XXXX. We want to have our names removed from the XXXX and update our credit report correctly. Still shows this is ongoing debt post the ChXXXX discharge. Our BK Lawyer to immediately surrender the home. Our family of XXXX vacated the property in XXXX. We did n't know at the time we should have waited for the title to be transferred out of names prior to vacating the property. We trusted our lawyer 's advisement. This is a huge concern, because we understand we are liable for any accident ( s ) on that property. The bank has not foreclosed or short sales the home. We have filled out paperwork for a Deed in Lieu in XXXX XXXX. We have been renting since XXXX. Our current rental lease is up in XXXX XXXX and we would like to purchase another home for our family and maintain stabilty. We are not able to complete this process until our names have been released from the Title. We are both currently XXXX XXXX and are earning an increased salary. We are going to be stationed in this area until we retire. Please help us expedite this process so we can move forward and have a stable home for our family.

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 07-06-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: i sold a home at XXXX, mi. in XXXX of XXXX i had XXXX $ in an escrow account and was to be refunded this within 60 days. i have called both freedom mortgage as well as their emissary XXXX. i have not only gotten the runaround with both accusing the other, but have not received my money. i am a XXXX veteran who borrowed on a VA loan.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of this year USAA Bank corrected some of thier mistakes on my credit report however due to them reporting the repossessed car 90 days late 44 times per a current report my score continues to be affected. I am obtaining reports from several banks that have run my credit, overcharged interest, or denied a loan due to this mistake.. In light of recent events I am requesting that this mistake be corrected as well. I am also demanding that USAA refinance the truck loan that was taken in XXXX of this year at a very high interest rate due to thier mistake.. I am also demanding that USAA REFINANCE my home that has now been denied due to thier erroneous mistake following the dispute that was made by me last XXXX. As they responded in my earlier complaint they admitted to wrongly reporting information that the car was still unpaid. Until USAA corrects the reporting my score will continue to be grossly miscalculated. I have met with an attorney here in AZ and he did suggest this contact one more time to see if we can resolve this matter without legal action. I am tired of this problem that I did nothing to create. The refinance amount that I was approved for latest year before USAA falsely reported this account was XXXX. This was to be a cash out refinance to pay off student loans and complete the remodeling of our home. Since this is USAA 's mistake they should have to fix the problem this is the only way that I will accept closure of this issue. Failure to resolve this in a timely manor will result in further legal action and unnecessary court fees to USAA. THEY CLAIM TO TAKE CARE OF VETERANS AND THIER FAMILIES FOR LIFE YET THEY HAVE DONE NOTHING BUT XXXX UP MY CREDIT FOR THE LAST 2 AND A HALF YEARS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have called back in XX/XX/XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XX/XX/XXXX and no response to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with Vision Financial Corp. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received settle in full offer from XXXX Bank dated XXXX/XXXX/15 ( see uploaded documents ) stating to pay {$280.00} within 45 days, which was paid to XXXX via check written/mailed on XXXX/XXXX/2015 via priority mail, which was cashed by XXXX Bank on XXXX/XXXX/2015 for account ending XXXX. I then received a collection agency bill dated XXXX/XXXX/2015 for {$280.00} from Vision Financial Corp after my check was cashed/paid to XXXX Bank. This violates the fair debt collection act to send someone to collection when the bill is already paid. XXXX made agreement not to seek further collection activity if settlement paid within 45 days, which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried for months to get Transition to remove XXXX inquiries listed on my credit file because they are not mine and/or I did not authorize. I have an identity theft file with FTC since last year. They refuse to remove them and my credit rating is being affected tremendously. Recently, I had them add a security freeze to my credit file to prevent any more unauthorized inquiries. I want these inquiries removed immediately. 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 02-02-2016 about Credit card () with DISCOVER BANK (NY).
Issue: APR or interest rate

Complaint: I have had a Discover card since 1983. I have had to use this card in the past three years for various purchases. I noticed that even making my payments on time and paying just over the minimum, my balance did not seem to go down! At one point I had done a balance transfer to this card only to find out that one month my interest charge was more than my payment!! I cut up my card and sent it back to them. After several attempts to try and get my interest lowered, they wo n't even budge. Now, after making my payment, less than {$10.00} goes to the principal and my minimum payment keeps increasing!!!! I am never going to get this paid and it now has caused me financial issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage through Bank of America for my home for more than 5 years. Originally the address of the property was incorrect ( XXXX " my road '' ) in XXXX of XXXX I corrected the physical and mailing address to XXXX " my road '' through XXXX XXXX real property office and my post office. My insurance company along with everyone else made the appropriate changes. When contacted, Bank of America made the changes but only to my mailing address. In the fall of XXXX Bank of America requested a copy of my homeowners policy. When sent, they declined it and said I needed a policy covering XXXX " my road ''. I have made several attempts to get BOA to change my physical address since fall of XXXX. They are delaying the process and I have sent them all requested documents via email and/or fax. Now starting XXXX of XXXX BOA has provided an additional homeowners policy through escrow thus significantly increasing my monthly payments. My homeowners policy is current and is the original XXXX from the start of my mortgage. BOA is making me pay for another policy covering XXXX " my road '' which is no such number and does not exist.

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 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I request a Credit Report from Experian on XXXX/XXXX/2015, at the same time XXXX request the same credit report from the same company, both were very different scores mine shows FICO XXXX, XXXX XXXX shows FICO XXXX, this discrepancies makes big differences at the time to set rates for Home Loan or Credit Card. In my humble opinion someone has to regulate the game that the credit report company has, XXXX with the consumer, the other with the vendor, is not ethical. 
The issue is that I ca n't print the report because give you an error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Application, originator, mortgage broker

Complaint: I contacted Nationstar mortgage about refinancing my home. After they gather all information from. Right the appraisal they ask me for large sum of amount of money. when i did my research from legit site which my local assessor, XXXX, property shark. I 'm seeing that they are not treating me fairly based on the comparable of the home which I 'm going to send you information. as well I email the loan specialist many time for the appraisal to re look at the value. every time he comes back tell me a different story so i would like to get to the bottom of the real truth which I already know. it is about money not fairness of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I submitted a complaint ( # XXXX ) about NationStar Mortgage 's utter failure to acknowledge or process my multiple requests for a loan modification. They have done nothing except send me auto-generated form letters. Indeed, their prior response to my CFPB complaint was worthless - it was nothing more than a computer generated response saying that they take customer service seriously. What a joke, because they have no customer service. Now, once again, I have provided them with every single document they have asked for, and they are nevertheless telling me ( via a form generated auto letter ) they do n't have a required document. It 's complete nonsense. I am at a loss of how to deal with them.

Company response to consumer: Closed with explanation