milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The account/student loan has been on my credit report for more than 10 years and it still on there, how do I get it removed from all 3 credit company ( XXXX, XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with Evans Law Associates, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A man named XXXX keeps calling me from Evans & Associates Law Office in XXXX New York. They use several phone numbers and change them frequently, but the most current one is XXXX. They started contacting me last year about an XXXX credit card debt that was discharged in bankruptcy in XXXX 2011. However, they are VERY rude, XXXX threatens me with legal action, tries to intimidate me, and has even verbally attacked me on the phone. I even had to change my phone number and they STILL keep calling.

Company response to consumer: Untimely response
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXnotifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX, Bloomingdales, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Application, originator, mortgage broker

Complaint: I applied to refinance my mortgage at CapitalOne ( the " Bank '' ). I submitted an application ( joint with my wife ) and the Bank made an offer on XXXX XXXX, 2016 7/1 ARM for XXXXXXXX2.875 % plus .875 % origination charge ). Bank 's appraiser ( XXXX XXXX valued the collateral at {$470000.00} ( appraiser failed to count proper number of bathrooms ). Upon receiving the incorrect appraisal I immediately notified the Bank and the Appraiser of the mistake on XXXX XXXX, 2016. Based on the incorrect appraisal the Bank informed me on XXXX XXXX, 2016 that the terms of my credit had changed. Based on the incorrect appraisal the Bank added one-half percent additional origination charge because the loan to value ( LTV ) exceeded 60 %. The additional origination charge added {$1500.00} to the cost of the loan. Despite being notified on XXXX XXXX, 2016 that the appraisal was incorrect, neither the Bank nor the Bank 's appraiser has corrected the appraisal. In an effort to expedite the loan closing I have offered to reduce the amount of the loan so the LTV will be less than 60 %. I am prepared to close the loan immediately on the terms offered by the Bank on XXXX XXXX, 2016. The Bank has asked me to accept the new loan terms ( with the additional .50 % origination charge ) by XXXX XXXX, 2016. I am unwilling to pay the additional charges because they are the result of an incorrect appraisal. I have notified the Bank on several occasions that I am willing to close the loan immediately on the credit terms originally offered. I have also notified the Bank that as a compromise I am willing to reduce the loan amount to below the 60 % LTV ratio. 
I do not feel that I should have to pay an additional charge for a mistake that was made by the Bank 's appraiser. 
The Bank should honor the credit terms that it originally offered. 
It should be noted that mortgage loan rates have increased since I accepted the Bank 's original terms so that shopping for a new loan from a different lender is not an option. 
Thank you for your assistance on the matter. 


Here are contact numbers for the people I have spoken to : XXXX XXXX, Loan Officer XXXX NMLS # XXXX XXXX XXXX, Mortgage Loan Specialist, XXXX ext. XXXX XXXX XXXX, Manager, XXXX XXXX XXXX XXXX, Appraiser, XXXX, Commonwealth of Massachusetts Division of Professional Licensure # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I was referred to XXXX XXXX XXXX in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX, 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis ( XXXX XXXX XXXX used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX. we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had a payment plan in place. The car was repo. The bottom side running board was knocked off when removed. I informed them that sent they wanted the car so bad I was n't going to be responsible for it. They sold for half value. Keep calling. 4 to 5 times a month. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Forbearance / Workout plans

Complaint: My X husband and myself have a joint Marriott Card together. When we got divorced on XXXX XXXX, 2013 the card balance was given to him as a liability. Last year he lost his job. He was unemployed for 6 months. He could not pay the amount of XXXX per month. We both talked with Chase and they said they will not do anything about changing the amount of the payment and are now reporting as a delinquency. 
I told them how much we could afford together to pay something to them they refuse. My credit is now being completely destroyed when this is not my debt anymore to begin with. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: I previously had a problem with Ocwen Mortgage Company ( XXXX # XXXX ). 
My escrow account has been a problem since the loan was taken over in XXXX. Ocwen 's states there was a problem when they took the loan over in XXXX.I attribute the problems to fraud and bad accounting. XXXX XXXX my escrow analysis showed I had a deficit and my mortgage was going up {$82.00} a month. My taxes stayed the same and my insurance policy went up {$20.00} for the year. Where is the money going? My escrow shows XXXX insurance policy payments XXXX XXXX {$540.00}, XXXX XXXX {$670.00}. Also the same on the new XXXX analysis shows XXXX insurance payments for XXXX XXXX {$690.00} and {$670.00}. 

Ocwen sent me an escrow analysis and they totally omitted XXXX 's payments ( I beleive they realize they dont add up ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (PA).
Issue: Getting a line of credit

Complaint: XXXX/XXXX/2018 I attempted to use my personal credit line with them to send a payment and they denied it even though I had the credit with them. They said it was for security reasons and could not over ride it. They would give me no reason why and why I can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: The description provided is a brief explanation of what happened. I have attached copies of corresponsdence between Ocwen and I which outline the specifics of my claim along with supporting documentation. Please refer to the documentation for more details. 

Ocwen erroneously expedited my 10 year interest only loan by demanding that I make a full principal and interest payment as of XXXX XXXX, 2015. Not only did Ocwen 's claim violate the terms of the mortgage note agreement but their blatant disregard for their error is unethical and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Genesis Lending (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Last XX/XX/XXXX, I deposited a check in the amount of {$5000.00}. The ATM machine did not inform me of any hold unlike before where it will tell me when will the funds will be made available. In this case, on the next business day, the funds are not available and i called customer service and I was told there will be a hold of 7 business days. As of this writing, the funds are still not available. 
It is my impression with the new laws allowing for faster electronic transactions, funds will be made readily available as soon as funds were verified, UNLIKE before. How come my funds were still withheld this long? It is XX/XX/XXXX and still funds are not available. I tried and talked to them more than EIGHT times in this situation and still no resolution. I was even put on hold and they INTENTIONALLY cut me off thrice. CHECK THEIR PHONE RECORD CONVERSATIONS ( if they do have it ). Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is a  XXXX  debt that is being handled  by Pinnacle Credit Service but a lso being sought on by LVNV Funding LLC. The credit bureaus are reporting what is being sent to them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX  Equifax.
  XXXX    XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX  Equifax.
 XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Other mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Settlement process and costs

Complaint: XX/XX/2014, our dear friend XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ar passed away. I have been trying to resolve her HELOC in a manner to preserve where her ashes and the ashes of her dogs were spread. I have been in contact with XXXX XXXX at USAA and she very rude and unsympathettic. To get to my point. We have been in negotiations since XX/XX/XXXX or XX/XX/XXXX and the best offer to date from USAA was XXXX on a XXXX HELOC without a first mortgage. After I countered their offer and sent numerous letter, made numerous phone calls and even faxed my counter offer, they claim in each instant they did n't recieve anything. Finally they recieved my email with the best offer we could afford. They then removed their offer of XXXX and now they want the full amount. We were working with them in good faith on our deceased friends behalf, trying to keep the land she loved. We have spent over XXXX cleaning up the property not mention the XXXX this bank has cost us in legal fees simply because they skirt the issues and transfer your call, make you wait hours on the phone and claim to never recieve your information. This is outrageous and unacceptable. Either they help the military and ex military or they do n't but if they choose the later the need to stop immediately with their military advertisements. They have prolonged this far to long, let us grieve. Thank you.

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 11-11-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: XXXX  OLD NAVY CREDIT CARD THROUGH SYNCHRONY BANK IS BLOCKING ME FROM PAYING MY BILL ONLINE. I HAVE BEEN ASSESSED FEES. IS THIS LEGAL?  I CANT PAY MY BILL AND VIEW MY STATEMENT.

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 03/27/2015 about Debt collection (I do not know) with FEDERAL PACIFIC CREDIT COMPANY, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.

Company response to consumer: Closed
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2015, Wells Fargo had charged me XXXX in overdraft fees, and and I had 30 days to pay off the account instead Wells fargo took the XXXX from my other account and settled the overdrawn account, and the 30 day time frame was not up. Which I was misinformed about how to close the account. I was not given the proper procedures. This is the second issue I had about Wells Fargo and their overdraft fees. The account was supposed to been closed in XXXX 2015, but as of today I found out that Wells Fargo did not closed the account. I called a rep on XXXX/XXXX/2015, little did he wanted to do anything about it. The company is in denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX XXXX accounts listed on my credit report which I do not owe this company anything. These might be my daughters. I disputed them and want them removed and they are still listed. This is a violation of my rights.

Company response to consumer: Closed with explanation