milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to cancel PMI as I have paid my Mortgage down early to an 80 % level and I 've never had a late payment. My Mortgage company ( US Bank ) wo n't let my cancel it as I 'm advised I need a BPO to prove my home value has n't decreased since I bought it. The BPO is n't a requirement of the Federal Government, but US Bank is telling me it is. This is my problem, I know they can unfairly do this to me so I am forced to keep PMI or pay them more money. They probably know that the value of my home has dropped since I bought in in 2008 and since then have never had a late payment. However, if I pay XXXX dollars for a BPO they can then show I 'm not really at the 80 % value they want AND they are trying to advise it 's the Government that is making this decision when it is their choice. This is unfair and deceptive practice.

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 02/20/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: Citibank did not pay an offered {$400.00} Checking Bonus despite the fact that all requirements of the public promotion were satisfied. 
I opened a Citibank Account checking package using a public promotion XXXX on XX/XX/XXXX. The promotion offer states that I should get a bonus {$400.00} after I satisfy the requirements of the promotion. After I opened the Citibank Account package, I received a positive confirmation ( attached XXXX ) from the bank that I am eligible for the promotion. 
According to conditions of the promotion ( attached XXXX ), I should get {$400.00} on XX/XX/XXXX ( " XXXX days from the date of the qualifying transaction '' ). I deposited {$15000.00} on XX/XX/XXXX ( attached statement XXXX ) and kept on the account more than {$15000.00} until XX/XX/XXXX and more than {$10000.00} until XX/XX/XXXX ( attached XXXX ). 
However, as of today, I have not received the bonus offered by Citibank. 
I raised an investigation on XX/XX/XXXX with Citibank and received a response ( attached XXXX ) that " Our records indicate you have qualified for the above offer. Unfortunately, the above account is not XXXX certified. '' and " Once your account is certified, the financial center can submit a follow up investigation. '' I provided the additional documents to the bank and my account was XXXX certified on XX/XX/XXXX. I had an online chat with a bank representative on XX/XX/XXXX ( attached XXXX ). He wrote, " XX/XX/XXXX there was a note placed on your account that XXXX is certified '' and opened an additional investigation case XXXX and he wrote me that I would " receive a response within XXXX business days which is no later than XX/XX/XXXX ''. However, I have not received an expected response from the bank so far.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please

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 05-05-2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Customer service / Customer relations

Complaint: Synchrony Bank/ Care credit is continuing to report incorrectly with equifax and experian after agreeing in writing to remove incorrect information. My original dispute in XXXX 2016 resulted in an agreement to remove from my file a 30 day late pay. XXXX months later this information is still being reported. It is absolutely ridiculous how unresponsive and difficult it is to navigate their dysfunctional system. I also intend to file complaints against equifax and experian because they are not reinvestigating because if they were the agreement in XX/XX/XXXX would be discovered, the item in question deleted, problem solved. People should not have to babysit their credit report.

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 01/31/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There were unauthorized charges on my account and won't be addressed until after an investigation.

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 03/30/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (WA).
Issue: Wrong amount charged or received

Complaint: I had sent a Western Union transfer in the amount of XXXX USD to my own bank account in XXXX. I was promised a rate of XXXX per USD, but only received XXXX. When I log into my Western Union account I still see the XXXX rate for that transfer, but for some unknown reason it shows " Total to receiver XXXX. '' As per that promised rate, it should be XXXX. I contacted Western Union support about this issue and got a response that the transaction had already been delivered to the bank account and thus it ca n't be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/15 we were contacted by XXXX XXXX ( XXXX ext XXXX ) who advised me that we had been approved for an FHA modification. She said we were on a 3-month trial period payment plan and that after successfully making the 3 months payments on time ( XX/XX/XXXX, XX/XX/XXXX and XXXX ), our interest would drop from 5.25 % to 4 % and our payments would become lower than the trial period payment plan payments were. She said there would be no principal reduction. I just called to find out what our new lower payment would be beginning in XX/XX/XXXX and was told that we had to continue making the higher trial period payment plan payments because the paperwork had not been finalized. I was also advised that it could take 3 or 4 months for the modification to become final and we could begin making the lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with Professional Recovery Management (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Fox Collection Center reported a collection to my credit report without any prior dunning letter. I sent the company a debt validation by certified mail on XX/XX/2017 and it was received in their office on XX/XX/2017. It is now over 30 days and I still have not received any documents or communication from them referencing that I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Account Systems of Connecticut, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX and eastern account system still posting derogatory marks on my credit report after they agreed to remove. I have filed chapter XXXX. These companies have received my discharge orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Navy Federal Credit Union will not let me resolve issues via their telephone teller. This ahs prevented me from accessing my accounts and paying bills in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I applied to a Credit Union as was told I could not get an account because of a ChexSystems report. I had no idea what that was, so I ordered a copy delivered. 

Upon delivery, I see a mark from XX/XX/2013 from XXXX XXXX that says " Account Abuse ''. 
The total amount claimed to be charged off was XXXX. 

This is completely inaccurate. I still have accounts in goodstanding with XXXX XXXX. I never received any notices, and I certainly did not abuse my account. This was a joint checking account that was soley used to pay our mortgage at the time. This is a bogus description and a bad business practice. I had other linked accounts and was never given information about any abuse of the account.

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 02-06-2018 about Debt collection (Auto debt) with Lendmart, LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: date of loan XX/XX/XXXX amount of vehicle XXXX they took it to court on the XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 04/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient continues to have my loan in default status and says I have a past due balance of over {$1500.00}. However, I entered into Rehabiliation with XXXX in XXXX 2015. Payments are current and automatically deducted from my bank account on the XXXX of each month. I have submitted supporting documentation from XXXX to Navient, which I should not have to do if Navient referred XXXX to me, several times and even highlighted the Navient account number on the XXXX documents. It is as if Navient is forcing me to pay the rehabilitation agreement amount AND the monthly payment they calculated, which is not what I was told by XXXX when I entered into the agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Debt collection (Auto) with Rubin & Rothman, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Account is time barred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX the talked to SPS select portfolio services to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with XXXX please fix. XX/XX/XXXX the per attached pictures said late changed to current per SPS Last night XX/XX/XXXX SPS select portfolio services hit my credit with XXXX again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all XXXX credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all three bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, XXXX

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 02-12-2017 about Debt collection (Payday loan) with Debt Restoration Services (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/XXXX, I received a voicemail message from a " XXXX XXXX ( sp? ) '' claiming to be the Director of the Board for the Fraud Department of Debt Restoration Services. He stated they have been attempting to contact me for the past five months concerning a pending civil suit against my name and social security number for maliciously attempting to defraud a financial institution for theft of services. He went on to state they will attempt to freeze my assets including any anticipated tax returns, including a wage garnishment. He advised that I should call XXXX ext. XXXX. On XX/XX/XXXX, I received a validation of debt letter from XXXX XXXX on behalf of XXXX XXXX XXXX via email. Please be advised that this complaint is in relation to a prior complaint filed with CFPB XX/XX/XXXX. Refer to Case number : XXXX. XX/XX/XXXX, the Federal Trade Commission filed a permanent injunction and monetary judgment against XXXX XXXX and their entities.

Company response to consumer: Untimely response
Consumer complaint received 05/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (IL).
Issue: Settlement process and costs

Complaint: I received a review the Company response to my previous complaintsand there seems to be Mortgage Fraud going on the note that was sentin by the Bank is a Robo-signed Document with missing initials signed byXXXX. I would request that the original documents be produced or I willbe forced to sue them for Fraud and Untruthful Lending Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Privacy

Complaint: I spoke to XXXX around XXXX Pacific Time. The call was regarding a missing card that I never received. He asked for my address within the conversation. XXXX stated the address was updated on XXXX/XXXX/2015 around XXXX. However, he would not give me the previous address on file so I can verify if it was my previous address in the past. So I asked for IP address to confirm it actually took place online from me ( In case I changed it and missed some details ). He stated they do not have that on record. My statements for the month of XXXX 2015 have my correct address. So my card was sent to a different address that Capital One does not want to provide to me. I need to know why it was changed, why my card was sent to another location even when my statements are arriving to my current address. I was a victim of the XXXX data breach and I need this to take actions to protect myself and make sure I can contact the Credit Reporting Agency if the address was fetched from their databases. I am including a copy of statements from XXXX 2015 ( prior to the stated address change date ). The statements have my current address and I have been receiving mail successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AZ).
Issue: Incorrect information on your report

Complaint: I lived in my home for 16 years. I got a divorce and the court ordered the home to be sold and the equity to be split. We had about 300K in equity we only owed XXXX on the home. My ex wife camped out in the house ( I was living in my car waiting for her to sell the house because she got a restraining order against me ) She stayed in the house for over a year and never made a single payment on the house. The bank finally foreclosed on the house. I was in constant contact with the bank and even offered to pay the balance off as soon as they can get her out. Well that ruined my credit like she wanted. I have always prided myself on my good credit and have taught my children the importance of good credit. Now that I have somewhat fixed my credit the derogatory from the bank is keeping me from moving on and getting a new home. I would ask the bank to please look back at all the notes to see that this was not my fault and please show some compassion and remove it from my credit so I can move on. It is scheduled to stay on my report till XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: My mortgage is escrowed and the mortgage company is responsible for making the property tax payments. I have made all of my payments on time. When my loan servicing transferred to Freedom, they had my escrow payment incorrect. I called to correct the issue and pay a higher amount to cover my property taxes. I received a notice in the mail yesterday that the county has placed a tax lien on my property due to unpaid property taxes. I have a FHA loan, the property taxes should have been paid by the mortgage company. This is not only public record that my property has a tax lien against it, but it will affect my credit as well. When the mortgage company contacted me back about my issue, they said it was the prior servicer 's responsibility to pay those taxes even though they were due when the current company was servicing the loan. They also told me that it was my responsibility to notify the mortgage company that they need to pay the property taxes. Freedom Mortgage made a huge mistake by not paying my property taxes through the escrow account that I pay towards every month.

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 06/24/2016 about Bank account or service (Cashing a check without an account) with DISCOVER BANK (MO).
Issue: Account opening, closing, or management

Complaint: My Identity was stolen and given to Discover Bank and opened a XXXX market account under my name. In turn there was a transaction made XXXX in WI which made a transaction under my ID and sent XXXX for the amount of {$2300.00}. No response or fraud department will take my call at XXXX. Discover Bank referred me to XXXX on this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX did not file their claim in a timely manner, as required by law, and is not entitled to the {$280.00} dollars, let alone the {$170.00} they have filed claim to. I have called them several times and each time I am told " they are investigating the issue, and although it appears their filing was not done properly, they are still investigating. '' Their official investigation was started XXXX XXXX. No other response has been given since, although I have called them at least XXXX times since XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have previously disputed inaccuracies on my bankruptcy # XXXX such as balances, Experian always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  XXXX   XXXX  ( and they will have record of it  )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximatel y 2  weeks later, another payment was made PAID IN FULL and   XXXX   XXXX   decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.

Company response to consumer: Closed with explanation