milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2018 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I have been banking with Navy Federal Credit Union since XX/XX/XXXX! Our history has been great until I realized that all credit cards and loans are fraud. I sent in several debt validation letters via certified mail and had no response from the company. After missing couple of payments for my auto loan, of course, they followed up with phone calls and letters. They even updated my credit score with negative payment/missed payments. Over the phone, they failed to provide proof of the debt and kept saying that I owe the debt. No original contract, no wet signature. In order to enter into a contract, two parties must sign, right? 
On XX/XX/XXXX : I decided to settle the debt ONCE again in form of a XXXX and XXXX which were both accepted by the Internal Revenue Service. Once again, no update from Navy Federal Credit Union nor have they settle out the accounts. Now Im here to report them here. They continue to deduct from my XXXX XXXX Checking Account. 

They can not lend us real credit, we're the creditors. All debts are FULLY repaid from day one. All loans and credit cards are fraud through deception. They monetize our signature and gave it back to us in form of a loan. 
Public Law and Public policy 73-10 Chapter 48 Stat 112 states that the U.S. Government is obligated to pay off all debts incurred by the American people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: First of all I never received anything in regards to this debt, it just magically appeared on my credit report. I have tried to contact Midland Funding , LLC numerous times to get them to fix some inaccuracies they are reporting across the XXXX credit bureaus. I sent a direct dispute on XXXX/XXXX/2015 which I never received a response to, then sent another one on XX/XX/2015. I contacted Midland Funding , LLC and spoke with someone who was clearly only reading from a script who told me they sent out a response to my direct dispute dated XX/XX/2015 on XX/XX/2015, which I have yet to receive. The main issue that I have with them is that on my Equifax report they are reporting as the ORIGINAL CREDITOR. On XXXX and XXXX they are reporting correcting, that they are a debt collector collecting for the Original Creditor XXXX. I 've noticed a lot of people have the same problems with Midland Funding , LLC. Everyone I have spoken with at their offices calls me a criminal and one of them even used curse words at me. This is not an acceptable company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry on my credit report from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Participant

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 11/20/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Comenity Bank through XXXX XXXX processed my Email address incorrectly when I opened the card such that I never received a statement and then made me jump through hoops to waive the resulting interest and late fees. They even tried to negotiate with me to waive {$15.00} of the late fee vs. the entire {$38.00} late fee. In the end, they only waived one late fee and not the interest even when I paid the entire balance after finally receiving the bill. The Comenity team member was overly aggressive to protect the " Comenity policy '' on not waiving fees and interest when a payment is not received even when the fees and interest are bank errors on them and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Money transfers (International money transfer) with FIRST CITIZENS BANCSHARES, INC. (GA).
Issue: Fraud or scam

Complaint: An Internation wire transfer from First Citizens Bank XXXX to XXXX XXXX XXXX in XXXX, XXXX was issued, then attempted to be retracted when the receiving account at XXXX XXXX was determined to be a fraud. Following formal complaints, inquiries and alerts of the fradulant scam, from First Citizens to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Marlette Funding, LLC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Checked credit report and seen an inquiry I did not make. XXXX XXXX, 2017.  Marlette Fund XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX Target the account was transfer/Sold to XXXX XXXX Debt Collector. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call Target and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about XXXX XXXX XXXX garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On Transunion Credit report the Target the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XX/XX/XXXX, the last payment was XX/XX/XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. Target was not able to produce any information so the credit companies took it off my file. XXXX XXXX buys the debt from XXXX XXXX. XXXX XXXX files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and XXXX XXXX XXXX is the subsidiaries of XXXX XXXX XXXX , XXXX who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work XXXX XXXX XXXX paper work that was given to me is not correct because the target account number is blot out with a black marker and the XXXX XXXX XXXX XXXX is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I filed a chapter XXXX bankruptcy in XX/XX/XXXX and surrendered our home to Countrywide. We turned the keys over to the bankruptcy attorney moved to XXXX. We managed our credit and managing our debt for the last seven years and now want to buy a home. We found one and got qualified for a new mortgage but then were denied because the old home included in the bankruptcy in XX/XX/XXXX was still in our names. it has never been sold, or foreclosed upon and apparently just sits there. After a lot of digging and phone calls Bank of America inherited it from Countrywide. It was to be foreclosed on in XX/XX/XXXX. Bank of America took possession of the property in XX/XX/XXXX. The foreclosure never happened, in XX/XX/XXXX the state of XXXX dropped the foreclosure proceedings due to a lack of paper work being filed. The loan was sold to XXXX XXXX and then to XXXX who has it now. It is in a file at an attorneys by the name of XXXX XXXX XXXX. from XXXX They are the loss mitigation for XXXX and no help what so ever. I called and asked how to remove my name from the deed, but they do not care. The house was discharged in the bankruptcy in XX/XX/XXXX and the bank refuses to take ownership of the property so what am I to do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I came out of Chapter XXXX two years ago. Seterus is the XXXX mortgage on our home and they never took us out of BK status, in spite our numerous attempts throughout these past XXXX years. Every time we call they tell us exactly the same : It shows here that you are represented by an atty. and we ca n't speak with you. We sent them discharges, letters stating that we are no longer on BK or represented by an atty, etc etc. They take our info, never call us back, and when we call back nothing was done. For the past two years they have not sent us statements, they do n't allow us to pay online or even see our acct on line, we do n't know what payment we are making or if we are up to date or behind. We have asked insistently to allow us to get online so that we can put them on autopay but they state " we ca n't because the acct is on BK ''. We are finally now in a position to refinance and go from XXXX mortgages that amount over {$1800.00} a month with very high interest rates to XXXX that would leave us with only XXXX payment of about {$1300.00}. We have been asking Seterus for a payoff for the last XXXX weeks and they are not sending it to us. Every time we call they state something different, but the theme is that we are represented by an atty. and they ca n't give us a payoff. The worst part now is that since they have not communicated with us or sent us statements they state we are 4 months behind on our payments which means that we wont be able to refi since the lender, of course, wants to see 12 months of no late payments. All of our accts are on auto pay and up to date except for that XXXX and that is because they wo n't allow us to do that. My husband is XXXXemployed and he got hurt at work, XXXX and he is XXXX years old. He has been unable to work for the past 6 weeks which is starting to put us behind. We are completely ready to refinance except for the Seterus acct. 
We would appreciate any help as we are unable to retain an attorney at this time but we considered this being unacceptable and abusive. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Medical debt) with Professional Service Bureau (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX 2017 approx 3000 dollars I did not receive anything in the mail from this debt collector, even though they told me I did. I believe they lied about this as they had my address. I asked if they would send me another letter with more information to verify my account and they said no. Then they proceeded to threaten to put my bill into collections if the balance hasnt been paid in 10 months and refused to work with me on a reasonable payment plan. I feel that they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A lender named XXXX pulled a hard credit inquiry on my Equifax credit report. I have n't applied for credit with them or anyone else and want to removed. It states the inquiry date as XXXX XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX   XXXX  I was th e victim of identity theft / credit card fraud. I pay for the identity theft and monitoring service through USAA as well and followed all directions provided as well as all requested from USAA ban k. Provisional credits were issued on both my affected credit cards and checking account.     However, on  XXXX  card the charges were charged back to me, only to be credited back yet again. At which time  USAA  sent documentation that all credits were permanent. However, a year later in  XXXX   XXXX  without notice, explanation, or even contacting me to t ell me USAA  decided to charge back only  XXXX  of my affected credit card accounts for the finalized fraud/billing dispute a year prior. This is in violation  of Paragraph 13 ( c ) ( 2 ) of Subpart B 1026.13 ( c ) ( 1 ) Effective D ate :  XXXX / XXXX / XXXX  of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender keep bouncing me from one servicer to another. I had to switch 4 times in less than 14 months. Every time there is a switch, had to signup with new servicer for auto debit processing. Also, during most recent switch, I got double charged for the same month ( XXXX ). Got an email saying that it happened in an error. Looks like there is no clear regulation on these kind of activities. Worst of all these things, customer service is no where to find.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Late fee

Complaint: I used to have a chase bank account and recently switched to a credit union. I was always able to make my credit card payments through an internal transfer within Chase 's website. However, since I switched I had to call and pay the bill via telephone. I did it with the pay by phone option. I entered my new routing number and account number, as well as the amount and the date I wanted it processed. After I submitted what I thought was the 'payment ' a long message came on that would typically occur at the end of a credit card payment submission. It gave me no options to continue or not to continue so I hung up thinking the credit card was paid. Once I saw that it never left my new checking account I looked on my credit card statement and saw that a late fee was incurred. I called customer service and they refused to waive it because they have waived one in the past ( note this was not a recent waiver ). I typically am very good with paying this bill as it was very convenient for me to do it from my Chase bank account to my credit card. I feel this long message that was put in the middle of the call is an intentional way to the deceit the customer into thinking the credit card payment was submitted when in fact it was not. That is intentional misrepresentation and fraud in my opinion. I want this resolved as I honestly thought this credit card bill was paid. I want my {$25.00} back due to chases negligence. Why would someone who paid their bill notice a day later if they intentionally decided to not pay it? Typically when someone does n't want to pay a credit card bill it goes on much longer than a day.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Making/receiving payments, sending money

Complaint: To whom it may concern ; This is now my XXXX attempt to get resolution to my multiple concerns. I have already filed ( XXXX ) CFPB complaints ; Case # 's : ( XXXX & XXXX ). First and foremost, whomever is to receive this complaint please read the previous complaints so that you will have a good grasp s to what has been going on these past two weeks. 

I have been dealing XXXX XXXX XXXX at NFCU throughout last week. The last time we spoke was on Friday, XXXX XXXX, XXXX. At that time, he had agreed to at the very least have my 30 day late removed from the credit bureau 's and to find a way to stop additional reporting on the XXXX account in question until the investigation of my complaints have been completed. I told him that I was willing and able to come in to a branch a pay my minimum payments of {$330.00} x XXXX ( XXXX, XXXX XXXX & XXXX XXXX ) to total {$1000.00}. I came up with this amount per the Declarations page line # XXXX. In return, he was supposed to get the authority to have the 30 day late removed and to stop further reporting. XXXX XXXX told me that he had a meeting this past Friday at XXXX EST and that he would be getting back with me after this meeting. I have yet to hear from him concerning the status of everything that has been discussed. 

Furthermore, as of this past Friday, XXXX XXXX, XXXX I called and spoke with XXXX Fraud department to let them know of what was going on with NFCU and that I wanted to dispute my not being late and the effective balance and monthly payment that was reporting to XXXX as inaccurate and additionally based on unauthorized transactions. XXXX at that point filed a dispute on my behalf under the Fair Credit Billing Act which in turn is supposed to immediately stop reporting all data attached to this trade line until NFCU has had an opportunity to investigate further. 

XXXX XXXX is also under the impression that NFCU has up to 60 days to respond to my CFPB concerns, which is false under the circumstances I have brought forward to NFCU. At this juncture, I simply can not understand why I have been dealing with this for the amount of time I have with NFCU and yet there is still no resolution and not even remotely any consistent conversations with me as a customer. I continue to be told that I will be called back with a " status '' but this has yet to happen. 

Unfortunately, today is now XXXX XXXX that is reporting my being late with this account and is the last day that we can move forward without irrevocable harm to my credit. How much effort should a customer have to bestow to the creditor in order to pay a debt that is deemed the ethical and more importantly legal amount owed on a monthly basis? 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be  liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly i nvestigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against   XXXX   XXXX    & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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