milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (AL).
Issue: Loan modification,collection,foreclosure

Complaint: WHAT HAPPENED Describe what happened so we can understand the issue ... 
After returing home XXXX in XXXX. I was unabled to work. I worked hard to pay bills, but we were n't making ends meet. I was making progress with my VA claim for benifits, but it is a very long process, which reguires several appeals to complete. We started having trouble meeting our mortgage payments, and contacted flagstar bank to help us work something out. I mentioned the Obama mortgage help plan, the lady i talked to said they could work it out, but i had to be three months behind on our mortgage in order to qualify. She said not to make payments, partial payments were unexceptable to flagstar, although i offered.After the three months elapsed i started getting default letters and harrassing phone calls. I explained to them the conversation i had with the Flagstar rep, they said they would look into it. I called her back and she said it was to late now, and that my mortgage was in default. She had a very bad attitude, and refused to talk to us any further about the matter. Flagstar claimed they sent everything to their attorneys and there was nothing furthur they could do for me I explained to them that my VA money would be coming soon, and that this just can '' T happen to me They became agitated and rude, and said i have to go to the attorney. Shortly after that conversation i received a letter delivered by the sherriff department, that my home would be autioned off in a couple of weeks.Luckily, the backpay check came in at the last minute from the VA & gt ; I was able to pay the rearage, plus attorneys fees and keep my house. We were victims of a dual tracking procedure, commnly done by banks. I had no idea until recently what dual tracking meant, and that it is against the law. I should have never been treated this way. XXXX. And am now XXXX VA XXXX. I should have been priority to them for the obama help. But Flagstar cared less. I believe we were told not to make payments even partial ones, in order for flagstar to buy time, to justify foreclosure. I have always had good credit, and owned this home since XXXX. The foreclosure status is still on my credit report. Flagstar refused to have it removed.

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 08/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, Ditech Financial LLC did not credit my account with the normal monthly payment that always comes out of my bank 's bill pay. After numerous phone calls, I finally wrote them in XXXX, than again in XXXX, and again in XXXX. All three times I sent them proof of payment. They finally admitted that my payment got credited to another account, but still did not credit my account. Also, they would not give a payoff amount. On XXXX XXXX, 2016 I submitted a complaint with the Better Business Bureau and the next day, according to their on-line web page/my account, they did something. It is very confusing because they credited half the amount of my payment and had some principal numbers and interest numbers and unapplied numbers. But I was happy because my XXXX billing statement showed I was currant in my payments. Also, I received a payoff statement which seemed to have the correct amount. However, I have since received another billing statement for XXXX that states they have put my XXXX payment in their " Funds in Suspense '' account and they want me to pay XXXX payment again. And I received a foreclosure letter from them dated XXXX XXXX, 2016. A week later I received another letter that was a copy of the first. Both letters state I have till XXXX/XXXX/2016 to cure the default in the amount of {$0.00}. This makes no sense to me. I have always been paying them on time ever since they have assumed the loan.

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 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 been writing all 3 credit bureaus concerning a few items. The first would be XXXX XXXX that has a fraudulent account that was not opened by myself about 4 or 5 years ago. I called the company and the company told me that the fraudulent account should drop off my reports within 45 days, which it didn't. I disputed this item with all credit bureaus in XX/XX/XXXX and it still hasn't been fixed. I have an open account that is current with first progress and am in good standing with but I didn't know about the other account until my reports were pulled when trying to get a home loan. The second item that is inaccurate on my account is missed payments and collection status from the child support agency. The account has been in litigation for years because the child support agency wasn't tracking payments that were going directly to the mother in support of my child through my benefits. About 4 years ago, I received an order deleting all past, present, and future payments. I sent letters to all credit bureaus XX/XX/XXXX to have the information taken off my credit reports. The accounts still show with negative information on it when it shouldn't. Also, I had a fraud alert on my credit reports, some since XX/XX/XXXX in which they still allowed companies to pull my credit. Although most fraudulent activities were prevented, the bureaus still reported all the credit inquiries on my report bringing my credit score down drastically. I couldn't do a police report for the inquiries that wasn't done by me because according to them, nothing was stolen. In order to do a police report on the inquiries, an account would have to be opened by the perpetrator. So I have like 50 credit inquiries in which I wrote to the credit bureaus and specifically stated the inquiries were not requested by myself, nor did I give permission for my reports to be pulled by those companies/people. The credit bureaus are not doing the proper investigations into disputes. If they were, these items would be removed because they are inaccurate.

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 07/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WORLD ACCEPTANCE CORPORATION (IN).
Issue: Getting a line of credit

Complaint: I had a loan with world financial pay on time sometimes was late was a good customer payoff loan try to get a loan denied

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My home was bought out by caliber home loans I received a letter that we owed XXXX so when my husband received his SOCIAL security check I mailed XXXX to them then I sold some retirement and mailed another XXXX Then my husband received his va Benefits I mailed another XXXX Logged into their website it showed I owed XXXX today I logged into their site it showed I owed XXXX called them and was told that all my payments were not applied to the loan they were holding XXXX to see how to apply it to the loan and they had not received the other XXXX Caliberhomeloans.com is a rip off

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/15 : UPDATE i HAVE SUBMITTED A REVISED POLICE REPORT AND YET STILL THE ITEMS REMAINS. And just recently Equifax has added back old addresses in which I have disputed months ago to be removed. 
I have submitted this complaint to have this charge-off accounts off of removed from my credit report on at least three occasions. Three times I have mailed in my dispute and I have also submitted my dispute via CFPB and online via Equifax dispute portal. The items that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEach time that I have disputed these accounts Equifax has stated to me that they have come back verified and belonging to me. Impossible, I have attached a police report, FTC Affidavit that least these accounts to be removed and I have also included Equifax 's own credit report that still lists the account on my credit report and an email and the delete report from one of the charge off account stating that they are deleting the account listed on my credit report due to fraud. I have submitted the same information to XXXX of the other Credit Reporting Agencies and they have removed all of the accounts but Equifax continues to do the direct opposite from what they are suppose to do. I spoke to Equifax customer service and fraudulent department on XXXX/XXXX/15 and they have again stated that the reports have come back verified. No matter how much information I send to them to show that these accounts do n't belong to me they still say they do. How can you do a detailed verification when you actually do n't. I need all XXXX of these accounts removed from my credit report and an updated report sent to me as soon as possible. Since this has taken already 60 days to do I believe 15 days for them to complete their job is suffice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Other

Complaint: Everytime I make a payment to my credit card ( Barclays Bank XXXX Card ), they withdraw the funds from my checking account but do n't record it to my credit card until 7-10 days later. 
They 're obviously holding my money. Is this legal?

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 12/27/2017 about Checking or savings account (Checking account) with MB FINANCIAL, INC. (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Consecutive nsf charges that were done by myself

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (CO).
Issue: Incorrect information on your report

Complaint: Sold my house by short sale with an attorney and finalized everything about 8 years ago. I have a letter from Citizens Bank from XXXX Rhode Island stating that my balance is {$0.00} but my credit report states that I owe {$90000.00} This must be a home equity line of credit from the home I sold 8 years ago but it keeps coming up on my credit report. Can you help me resolve this?

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

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I also listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I called XXXX on XXXX/XXXX/15 to ask about packages and I specifically instructed the representative not to pull a credit report from any major bureau such as Equifax , XXXX, or XXXX. I found out the next day that a hard pull was done on Equifax. I filed a dispute with both XXXX and Equifax. Equifax says it was an authorized use of my credit report as far as they know. XXXX has a form that I filled out to dispute the inquiry and have not heard back from. On multiple calls with XXXX, nobody has been able to give me an answer as to the status of the investigation. In fact, I have had more than one person explain that a credit check is not necessary and that the representative should have asked for my permission before running a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (NH).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: I spoke to XXXX XXXX XXXX, State of NJ, to find the funds deposited by my uncle, XXXX XXXX XXXX to my XXXX daughters, at the XXXX XXXX XXXX XXXX. I believe my sister XXXX XXXX XXXX was employed by XXXX and she could have provided the information, but I am not certain. XXXX XXXX advised that there are no funds in the possession of State of NJ Treasury and I should work with the FDIC to locate these CD funds. <P/>The deposit to XXXX was made on XX/XX/XXXX by XXXX XXXX XXXX ( having this day made a custodial gift under the NJ Uniform Transfer to Minor Act, with a signature of XXXX XXXX XXXX, Notary Public of NJ ( My commission expires XX/XX/XXXX - Qualified in XXXX County ). <P/>The XXXX was bought by Wells Fargo and they had no information about these XXXX accounts My uncle, XXXX XXXX XXXX died on XX/XX/XXXX and a copy of his death certificate is available from me. <P/>I am the Custodian of these XXXX accounts

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 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I applied for a parent plus loan to help my daughter who was going to college at   XXXX   XXXX   XXXX   in   XXXX   XXXX  , SD. I have had student loans myself so the paperwork and application process was not new to me. I also work in the financial industry and actually processed student loans as part of my banker/manager position. My daughter went to school the  XXXX  of  XXXX . She chose to take a break from school in  XXXX  of  XXXX . I contacted Navient to discuss options for the repayment plan for the loan. We were denied deferment or forbearance and was charged capitalized interest right away on  XX/XX/XXXX  for {$1000.00}. Payments began the following month on  XX/XX/XXXX and each month thereafter. So I 'm paying the capitalized interest of over {$1000.00} and also interest compounded on top of that. Something is wrong here! I am attaching the history of our payments, breakdown of interest, capitalized interest and what has been applied to principal. Please let us know if this is legal.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Found on my credit report medical bills I did not know about. On top of that they are on two separate names which is more confusing. Several months back I called and said I 'm willing to pay my debt but they need to remove it from my credit report at which time they refused. I do n't think it 's fair that they do n't tell me that I have this debt and just send to credit report without notifying me first. 

On XXXX : COLLECTIONS XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$180.00} Opened XX/XX/XXXX On XXXX : XXXX XXXX {$180.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX I have not seen my XXXX credit report so I 'm not sure what is on there. 

And why are they using two different names I do n't understand this. I feel as though they are trying to purposely damage my credit. If I had known about these that I would have paid them plain and simple. The fact that they absolutely refused to take them off my credit report even after I pay is ridiculous. I really need help dealing with them as they have made it plain and clear that they have no regard for what they have done to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Had loan for over 3 years and when making payments almost ex actually every 30 days and before they were due the principal amount and interest amount posted was always really different. On a payment of {$530.00}, one month {$100.00} to principal, next month {$27.00} to principal, next month {$43.00} to principal and on and on. Called them and they said it was all according to the number of days between payments. The difference was only 2 or 3 days. Would make additional payments between and nothing posted to interest. With no help or response I refinanced the loan to get away from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (OH).
Issue: Settlement process and costs

Complaint: I have been working with PennyMac Loan svc on a Refinance They have been very rude to me and the numbers have changed every time that I have spoken to them. I do not understand why my closing costs changed from my closing disclosure dated XXXX/XXXX/2016 to my new closing disclosure dated XXXX/XXXX/16. 
Why are they collecting 13 months homeowners insurance now compared to only 2 months on my previous disclosure? 
My closing cash to close went from {$790.00} to {$1200.00} in less than 1 month

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Credit determination

Complaint: I went to the discover card website today to find out if I was pre-approved to apply for XXXX of their credit cards. I know that with this pre-approval, there is a soft inquiry, not a hard XXXX, and they collect information to view my credit report and it does n't affect my credit. I filled out my information as requested and the " Discover It '' credit card came up saying that I would be qualified for this card. I went ahead and applied for the credit card and after I clicked " submit '', they requested even more personal information which I filled out. Then after I clicked " submit '' again, a message came up saying that I needed to apply with someone else as I needed to submit a " joint application ''. I never stated that I wanted to submit a joint application or that I was applying with anyone else or had any interest in applying with anyone else. I stated that I, alone, wanted to apply. I then called customer service, new accounts, and spoke with a manager by the name of XXXX XXXX, ( this is the spelling of his name he gave me ) and explained the situation. He was trying to give me the wrong information by telling me that when someone fills out a " pre-approved '' form, that the credit is not checked or viewed at all. I then told/ him that I know how it works and that I have applied for other credit cards with other banks and they have even told me that they view the credit to let me know if they can offer me a credit card or not, and based on that, they either state which credit card I can apply for or state that they can not offer me a credit card at that time. I stated to him that he was giving me the wrong information so that it did not appear that the bank had made a mistake, but that this was exactly the case. The bank made a mistake. He kept repeating the same thing so I told him that I would be filing a complaint with the Consumer Financial Protection Bureau so that you guys knew what they were doing to consumers. I told him that I want them to delete the hard inquiry from my credit report and he refused. So I am filing this complaint to request your assistance so the bank can delete the hard inquiry which should have never been there on the first place, had they not given me the wrong information at the pre-approval screen stating that I could apply for the Discover It credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is my formal complaint concerning the XXXX major credit bureaus validation methods. My name XXXX XXXX XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a zero balance. 
I contacted the XXXX major Credit bureaus, XXXX, Experian, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent Certified letters to all three credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.

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