milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I began the process of refinancing a rental house I own. I was qualified and all was needed was the appraisal. It came out fine for value but the  appraiser e stimated the rent to be {$1900.00}. The house is currently rented for {$2500.00}. I had no problem filling the vacancy in two days last  XXXX .     I 've asked the appraiser to both explain his reasoning and to accept my provided comps for rent which shows comparable houses for rent or rented in the $  XXXX - {$2700.00} range. He refuses to even respond.     The mortgage company underwriter will not move forward based on the appraisers opinion.     So, they will not fund my loan however I should have recourse. I 've provided proof of rents and lease agreement and the bank has chosen to rely on the appraisers opinion over my actual data and now I 'm out {$850.00} for a flawed appraisal. It 's the banks prerogative to not fund but at the same time their opinion should be based on fact not opinion. I am entitled to a refund for the appraisal. I 've performed and they 've chosen to accept the opinion of the appraiser over my documented and provided proof of the income from this rental.     If I was n't qualifying or not providing documentation needed to process the loan, I completely understand. However, I 've performed, complied and provided all documentation. I 've done everything they 've requested. If they 've decided to not move forward, at the very least I 'm entitled to a refund for the appraisers opinion over my fact.

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 12-02-2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Using a debit or ATM card

Complaint: This is a follow up to my Key Bank dispute. I forgot to mention that you said I confirmed XXXX transactions on XXXX XXXX??? You may have gotten a phone call but I can tell you it WAS NOT ME that called you! I have never spoken with you!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a report on my credit that is now an open collection with a balance of {$350.00} from " XXXX XXXX XXXX XXXX XXXX XXXX. '' This should be covered for and paid by my health insurance. It shows as this : Account # XXXX {$350.00} BalanceXXXX XXXX XXXX XXXXOriginal Creditor {$350.00} High BalanceXXXX XXXX, XXXX Opened DateXXXX XXXX, XXXX Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Making/receiving payments, sending money

Complaint: Paid a bill for XXXX through my online Billpay for {$230.00} via my US BANK checking account back in XXXX, 2015. XXXX says they ca n't find it, US BANK says they sent it and put a tracer on it and I have been bounced back and forth by these XXXX companies for the past eight months. My checking account has not been reimbursed and I keep getting bills from XXXX saying I still owe them the {$230.00}. I am a XXXX senior citizen and this situation is extremely frustrating. I complained to the Oregon Public Utility Commission and they told me there is nothing more they can do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My XXXX XXXX loan has been transferred to Navient. No where on my account summary, on my monthly statements, nor on the website itself does it give me my payoff date and total number of payments remaining. If not already required, student loan companies should be required to disclose all information, similar to the disclosure requirements of credit card companies. My Dept of Ed loans display this information - why not private loan companies?

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had defaulted on my Citibank loan. I had discussed this with them, settlement made, debt paid.

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 08-06-2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Federal student loan) with Premier Recovery Group (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They have called my work place HR Dept and tried to get my SS # and threaten to garnish my wage. If they garnish my wage I could lose my job.

Company response to consumer: Closed
Consumer complaint received 03-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have tried to find the culprit who has made the phone account after I had attempted to call them about it. They said it was made in 2015 but I have not made an account for verizon. My phone at the time was a pay by use type of phone, no contract. The company was XXXX. So when I could not find who could have done this I tried to dispute it online but that did not work. I had received a bill yesterday asking me to pay half of the cost of the collection but I do not see a reason to pay something that I did not make in the first place. I am a service member and I would like to end this as soon as possible that way my home buying wo n't attempts wo n't be jeopardize because of this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Credit card () with WELLS FARGO & COMPANY (DC).
Issue: Billing disputes

Complaint: On XXXX XXXX, I requested an investigation into a charge on Wells Fargo credit card. This charge was for a rental car that I did reserve but I was charged an additional {$300.00} " vehicle inspection fee '', a charge that I did not authorize and one that was over 3 times the amount of my original bill. When I filed the dispute with Wells Fargo, my credit card account was immediately restricted and I was no longer able to access my online credit card account. After following up with a Wells Fargo representative about regaining access to my online account and statements, the representative told me that " sometimes this just happens '' but he does n't know why. 

I eventually found out that my dispute was denied by Wells Fargo even though I did not and still do not authorize the {$300.00} vehicle inspection fee. I was told that the dispute was denied because the purchase was " verified '' by the company. I never asked for verification of the entire purchase. 

I recently opened a second dispute for this same unauthorized charge but I am still barred from using my credit card and I do not have any access to any of my account details or statements because Wells Fargo has deleted removed this account from online profile. 

Wells Fargo has infringed upon my FCBA rights forcing me to pay this unauthorized charge of {$300.00}. Wells Fargo has also infringed upon my FCBA rights by restricting my credit card account during 2 separate disputes.

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 04-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (KY).
Issue: Settlement process and costs

Complaint: My wife, a resident of the state of Kentucky applied for a mortgage from Third Federal Savings and Loan. Since the house is her premarital asset, with the existing mortgage and title only in her name she applied for the loan with her resources and credit only. 
When the day came to close, I was informed that I had to accompany her to release dower ( since Kentucky is a dower state ). However, there was no reference to dower and my name in the definitions and signature blocks indicated I was the borrower joint and several with her. 
Since I was not assuming her debt and only releasing her dower right, I informed the lender that the forms were wrong or they fraudulently misrepresented the loan to my wife, who as now delayed over 60 days to seek another lender. We were also informed by the 'ender 's agent XXXX XXXX that they would not change any documents or terms. 
This was both fraud in the inducement and a violation of the notice regarding the fair lending act,

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!

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 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is related to another complaint I filed today but I have discovered the name of the collection agency that posted inaccurate and unverified information to my credit report. The information was filed by " Diversified Adjustment Services, Inc '' on behalf of XXXX. This collection agency did not, as I requested, send me any proof that they were the holders of a debt that I owed. They showed no proof of assignment from XXXX to their agency and could not even verify the account information. I disputed the debt but instead of erasing it from my report they included false information such as " 30 days late '' which does not even exist for a collection item. The account was subsequently sold to XXXX, who I called and they deny having filed any info with the credit bureaus. The actions of Diversified/XXXX and/or XXXX have caused my XXXX credit score to plummet over XXXX points.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with Jonathan C. Frank & Associates, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been receiving calls stating that there is a debt that I owe, however the " so called '' law office would n't supply any information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: For starters they continued to call me and harass me after being told to leave me alone and that I was XXXX and that if they continued they would cause me XXXX and they continued to the point I lived in utter fear of them and of having a XXXX second they threatened small claims and judgment for years making no attempt to do so until now using max time available to intimidate third statute of limitations in south dakota is 6 years on open accounts they just now on XX/XX/XXXX filed small claims some of these medical bills they are going after stem back to XX/XX/XXXX and they are trying to get a judgement simply so they can harass bully and intimidate for another seven years third these bills are because the original medical company did not file with insurance companies correct with countless attempts to fix these bills should n't even exsist

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 30 day late pay on credit report from XX/XX/2011

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: After filling Chapter XXXX Bankruptcy, Alphera Financial Services/BMW was notified. I maintained communication with the company in an attempt to renegotiate the car note. My payments were timely prior unforeseen medical hardship. I inquired about having XXXX notes wrapped to the end of the contract and was successful. In XX/XX/XXXX, I attempted to get the vehicle refinances in-house and via other finance companies sources. Meanwhile, agents from Alphera called me relentlessly on a recorded line despite my demands the agents to cease and desist. I was told that I would continue receiving calls until payments were brought current. I removed my phone number from the online account but calls continued. I sent 8 emails but calls continued. In XX/XX/XXXX, XXXX an Account Manager in Collections transferred me to the finance department and I held for 2 hours until I hang-up. Calls continued to commence on a regular basis. On XX/XX/XXXX at XXXX, I spoke with XXXX on a recorded line however he did not identify that the call was being recorded. I asked for the mailing address for the company however he refused and hung-up abruptly. I located an address online for both XXXX and XXXX, I sent both companies a certified letter asking to cease & desist and offering to voluntarily surrender the vehicle. The letters were received by the same individual. On XX/XX/XXXX, I spoke with XXXX, Account Manager in Collections again to renegotiate my car note. I informed XXXX that I held for two hours when she transferred me to finance. I managed to get the refinance done online but the note was increased, although I attempted to get it reduced by Alphera in-house. At which time, I informed her that I needed to surrender the vehicle. In a threaten tone, XXXX firmly told me that calls may continue, if I surrender the vehicle it would be sold at auction and the debt would be placed on my credit until the full amount was paid in full. In XX/XX/XXXX, XXXX fro XXXX showed up at my house late one night, outside of normal collection hours, blocked my driveway and persisted to harass residents by ringing the doorbell numerous time to retrieve the XXXX. On XX/XX/XXXX at XXXX, a rep from XXXX came to my house. On XX/XX/XXXX at XXXX, another representative came to my house ringing my doorbell claiming to be someone with an alarm company but there was a tow truck present. 
Note : Proof of Phone Calls, Correspondence and Surveillance pictures of the repo reps from XXXX available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with First Citizens and made a payment of XXXX and came to find out that they had foreclosed on my house. I called the bank and was told that I would get that money back because they could n't accept a payment when it was foreclosed on. I have waited for 6 months and have n't gotten anything back from them and I want my money back. I do n't understand how they could take my money and it being in foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It says on my report that i have an outdated issue with XXXX XXXX bank on XXXX XXXX, 2013. This can not be me, my grandmother just passed away a week before this and i have NEVER had a credit card. To this day i have no credit cards, so i do n't understand why it is on my report. i had a great credit score and now its very bad and i 'm afraid someone might have stolen my identity for a card from this XXXX XXXX bank. please help me i have no idea who to contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a payment agreement with XXXX which are the debt collectors for Navient Student Loan. I made a settlement amount of {$4200.00} to completely pay off my student loan that they currently hold from XXXX XXXX. This agreement was made in XXXX XXXX. XXXX XXXX would deduct eleven payments of {$150.00} starting from XXXX XXXX from my banking account and then XXXX final payment of {$2500.00} on XXXX XXXX. I made all of the eleven payments for {$150.00}. I then spoke to XXXX about the final payment stating that I could n't make it in XXXX but instead in XXXX XXXX. XXXX called navient to make sure that this would be okay by getting me an extension till XXXX XXXX to satisfy the settlement. Navient agreed to this and gave the extension. I made the final payment on XXXX XXXX, XXXX for {$2500.00}. I then called Navient three or four day 's letter. They instructed me that my payment has been received from XXXX XXXX and my agreement has been fulfilled. I then asked when could I receive my settlement letter and when would this be reported to the three credit bureau agency 's XXXX. Navient stated that I would have to wait 30 days so the payment is verified. I said okay. I called back 30 days later and a representative from Navient stated that their policy has changed a week ago and that I have to wait 45 days. I argued with them and they said that there is nothing I could do except to provide proof that the funds have cleared. I stated no when they have had the funds for over 30 days now. I asked to speak to a supervisor they said okay and then I was hung up on. This happened all three times that I called back. I called back 17 days later asking for my settlement letter. I was told that my account was delinquent and that not all funds have been paid. I called XXXX as they stated that that was incorrect and that all information was sent over including the funds to Navient on XXXX XXXX, XXXX stating that my account was paid in full for the settlement amount. I called back Navient and they stated that they would open an investigation and to call back after 3-5 business days. They also stated that if this matter has been clarified and my account settled that it would not be reported to the credit agency agencies for 60-90 days. The supervisor informed that this is Navients policy

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Disputed a case originating from a XXXX credit card with Experian, XXXX. XXXX refused to give me information about the account, because it had been transferred to collections. Collections would only send me verification of the debt if I provided them with a utility bill, which I do not have because I live with family. I have never been sent a notice of this debt and nobody will send me anything in writing proving that it is mine, or even telling what account it 's relating to. I was under the impression that all balances with XXXX were paid in full, and do not know where this balance came from. I was also under the impression federal law required the collection company to verify the debt with me when I requested it in writing, which they have also failed to do. 

I disputed the case with the bureaus stating this. They simply mailed a notice saying " The collection agency has verified the debt. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My husband and I filed for bankruptcy in 2015, case  number XXXX. XXXX has this on my credit report twice. I have disputed this three times online and attempted to contact them via phone, however after being asked to hold by the rep and left on hold for over 20 minutes, I could no longer hold. How can I get this corrected to where it only shows ONE time? I contacted XXXX XXXX, they advised the public record search only shows the bankruptcy once, not twice as Equifax has reported.

Company response to consumer: Closed with explanation