milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Account opening, closing, or management

Complaint: I received an alert from my credit monitoring service stating that there was a new inquiry for a credit application on my credit file from Navy Federal Credit Union on XXXX XXXX, 2016. I have never applied for credit from this lender and contacted the creditor to state that this was fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I received my bill on XX/XX/XXXX. I went to pay it the same day and I noticed the due date was XX/XX/XXXX.  The postmark on the envelope is XX/XX/XXXX and is labeled with " XXXX. '' I called customer service and explained the problem to XXXX who said she would remove the late fee, it was their error. She also stated within a week I would receive a letter at my home stating that it was their error, that the late fee was removed and they had contacted the 3 credit bureaus rectifying the slow pay. The bill was for {$70.00} that was due on the XX/XX/XXXX. I was told that in total I owed {$280.00} but the difference would be on the next bill. I paid the entire amount of the bill through XXXX on XX/XX/XXXX and it said it would be delivered on XX/XX/XXXX. 

I called Kohls again on XX/XX/XXXX at XXXX because I had not received the letter, nor heard anything from them. This time I spoke with XXXX. He stated that the late fee had not been removed, hence it would have been reported to the credit agencies. He stated that he " can reverse '' the late fee so it would not affect my credit rating ( which is over XXXX ), and that would " reset the credit bureaus. '' He again assured me that this was done while we were on the phone. 

I called back at XXXX XXXX on XX/XX/XXXX and asked to speak to the manager of collection debt. They told me the manager was unavailable, that I could speak with a supervisor. I refused this as I had already spoken with supervisors. I told XXXX that if I did not hear from the collections manager that I would be contacting CFPB. She stated all she could do was send a message. I have not heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a company saying I owe medical debt. This company WILL NOT validate this debt. It has been over 60 days since they have received my certified letter requesting this ( attached XXXX. The debt collection agency has thirty XXXX 30 XXXX calendar days to respond to a debt validation request. If a debt collector has failed to respond to a debt validation request, then they have essentially admitted, per Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that the debt in question is inaccurate. The debt collector has five XXXX 5 XXXX days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. They have not sent an admission of inaccuracy or any other information. I am a residence of Texas and under Texas XXXX XXXX, Title XXXX, Chapter XXXX, Section XXXX. ( under the FCRA XXXX A debt collection company attempting to collect debt in Texas must be bonded and licensed to do so. Failure to maintain an active surety bond is grounds for an immediate cessation of collections and reporting to major credit bureaus. 

Equifax has NOT done their job in accurately upholding the FDCPA or the FCRA. If they would have they would have investigated properly and understood that this company is trying to illegally get money out of me. This company will not and can not prove this debt is mine and is n't even allowed to legally operate in my state. To accurately validate and verify this debt the items listed below are needed, if Equifax can not produce this then it needs to be removed from my credit! 

The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceContract between the original creditor and the collection agencyAny fees added by your agency. Sec. XXXX XXXX a ) ( XXXX XXXX Texas XXXX bond information as required by Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 'm working to clean up my credit report. I use XXXX XXXX to track it. Both Equifax and XXXX list the same debt ( {$420.00} originally owed to XXXX XXXX XXXX XXXX ). 

But, the same debt is being collected by two collection agencies : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX I would be happy to pay one or the other to clear up my record. 

Please help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (I do not know) with ALTERNATIVE DISPUTE RESOLUTIONS (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX XXXX, XXXX I received a phone call from XXXX XXXX state filing and legal services. She said she would be issuing a warrant for my rest concerning bank fraud and I debt I owed to a bank. I have only banked with XXXX bank in 20 years so I found this odd. She gave me an out of state number to call to get this clarified ; I called Alternative Dispute resolution and spoke with a XXXX XXXX legal representative ( found out later he was only the receptionist. He then began to threaten me that I did n't pay this payday loan off there would be a warrant for an arrest on the grounds of bank fraud. I would be arrested and I would not be able to post bail, so I better find a good criminal lawyer. In a panic and without thinking I sent the money in a money gram, and called the police and this agency later. He originally said I owed XXXX but if I settled that day I could pay a XXXX and it would be satisfied. I called the next day to verify the amount was paid and the person that answered to phone said I should n't have paid it was n't mine and should have taken the warrant and hung up the phone. I called later for more answers on who the original creditor was. I spoke with XXXX XXXX and he stated he would help me find out the information and to called him on Monday XXXX XXXX and he gave me incorrect information stating I did bank fraud on my bank in XXXX yet my paperwork says XXXX, he gave me the lenders phone number which was incorrect and I checked with my credit union to see if anyone received a payday loan. They informed me no and they had nothing to do with it. So back to square XXXX. Please help me investigate this problem.

Company response to consumer: Untimely response
Consumer complaint received 01-11-2017 about Debt collection (Medical) with P.S.C., Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family. I have medical insurance through my provider of 7 years and never visited this 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 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I try to buy a cruise and it did not go through on XX/XX/XXXX, I closed the website and reviewed my email and there was no confirmation or charge in my acct then later I bought another cruise. On XX/XX/XXXX both charges were on my credit card. I called Wellsfargo and explained the situation and they start a dispute, I received confirmation on XX/XX/XXXX, on XX/XX/XXXX I have a 3 way call with the cruiseline and wellsfargo and the cruise line did not want to refund my deposit and sent wellsfargo the  confirmation the cruise line send me 14 days later of a charge that never went through, Wellsfargo credited temporarily my acct on XX/XX/XXXX, on XX/XX/XXXX I received another email from Wellsfargo-XXXX XXXX XXXX telling me that the dispute is on XXXX Arbitration and can not warranty the outcome and it is going to take another 60 days. While all this is happening the cruise agency is telling me that I can lose all my money XXXX if I do not accept losing XXXX now. Wellsfargo is telling me that I have to wait 60 days to hear a result, I told them the situation with the cruise line and they just say that there is nothing they can do that I have to wait even if the outcome is losing all my money, I asked to explain XXXX the situation and let them now this situation is time sensitive without any result.

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 04/13/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX I requested my credit report. Letter dated XXXX XXXX requests additional information. I sent them colored copies of my driver 's license, Passport and social security card. In addition I sent them documents that state I paid XXXX accounts in settlement with XXXX account a charge off with a XXXX. What I received was inadequate. Equifax sent me a letter dated XXXX XXXX concerning verification of my name and address only. No mention of my documents sent to correct my credit report? Equifax is a XXXX company! 
I would like corrections made in a reasonable time. Equifax is not in compliance with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I participated 360 Capital One {$200.00} Money Market Account Bonus promotion. I opened a 360 money market account with the promo code XXXX and deposited {$10000.00} into my account on XX/XX/XXXX. The terms of the promotion was to deposit XXXX by XX/XX/XXXX. I have not received the {$200.00} bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have Medical bills in collections from my son when he was XXXX or over. The Company did not verify guarantor at return visit. I am not responsible for this bill, I did not rendor services

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reached out to south west requesting validation in XX/XX/XXXX. They did not provide proper documentaion. In their response they stated they did not have to provide a contract. Per fcra anything other than a dated signed contract does not validate a debt. I responded with another request for validation and they did not respond back with requested items or to delete account from all reporting credit reporting agencies and to cease all debt collection tactics until this matter is handled

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Bastion Consumer Funding I, LLC (TX).
Issue: Struggling to pay your loan

Complaint: Original Creditor is : Bastion Funding, then transfered to XXXX XXXX XXXX. The payday loan is balance credit and they are killing me with high rates and fees. I am struggling monthly to payoff the loan and I can no longer afford to due to loss of job. I took out a loan for {$400.00} and they are asking me to payup {$2000.00} ( according to the information provided to me by the collection agency-National Credit Adjusters ). I do n't know what to do at this point because I want to pay it but it 's too much for me to handle.

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 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an address listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 

XXXX XXXX XXXX, TX 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 07/18/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given themMy Name has also been used fraudulently as XXXX XXXX but my name is XXXX XXXX SS # XXXX date of birth XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I believe that I am a victim of shortcuts or deception by Navient- XXXX of misappropriating advance payments on my student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Settlement process and costs

Complaint: We refinacned on XXXX XXXX, XXXX and paid off our mortgage with Seterus, Inc. We received an escrow statement dated XX/XX/XXXX stating that they owe us {$2000.00} for an escrow overage. As of today ( XXXX/XXXX/XXXX ) we have not received it. I have called numerous times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). Everytime I call I get some one else and they state to wait anouth 7 to 10 business days. Seterus has obviously held entirely too much escrow and now will not return it. By law they should have returned it by XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX! Seterus, Inc. is a shady company. They are not honest. I beleive they lie to the consumer about returning funds. And they are obviously holding too much escrow for the motgages they hold. I have attached the final escrow account statement dated XXXX/XXXX/XXXX with my notes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I sent a qualified written request letter to my servicing agent the reply I was mailed a reply that did not answer any of my questions because, " they were just the servicing agent. '' Because I sent you a copy of my qualified written request the same day I originally sent theirs both certified mailed, you filed a complaint with them. Because of your complaint, I received another response including documents, but stated it was not an answer to my qualified written request ( because qwr are to be sent to a strict address, which is the same exact address I did mail the original ). However, the documents sent in XXXX responses are very different from each other and still are not following RESPA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I was informed by Wells Fargo that a check had been cashed at the XXXX, Florida Wells Fargo branch. It seems that someone had taken an image of a check my wife wrote, created fake checks, and went to Wells Fargo where they cashed the check WITHOUT getting any documents to prove the person 's identity. All Wells Fargo did was check the signature with an old check. The signatures did not match, however, the teller cashed the check anyway. We reported the theft to the XXXX Police department to investigate. The detective stated that Wells Fargo is not helpful in investigations but he would subpoena the bank for the surveillance video. As of XXXX XXXX, 2016, Wells Fargo has not complied with the subpoena. Please see the attached police report. Please force Wells Fargo to supply the surveillance video.

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 03/31/2017 about Debt collection (I do not know) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not XXXX. I get frequent calls from businesses and creditors looking for him. I do not know him. Some businesses continue to call even after I 've told them this is not his number and I do not know him. I have even been called a liar. Today, a woman who identified herself as XXXX from American Collection Services Inc informed me that she or her company will continue to call because XXXX gave this number. She says that as long as this number was provided they can call because it is not their fault. I told her that I would file a complaint if she called again. She said go and ahead and file it because they will call again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Attempting to get PMI removed from a PennyMac USA loan. At first I attempted to get PMI removed when the loan first reached 80 %. They ( in their right ) told me I needed to get an appraiser to confirm the property had not lost value. I think just a XXXX or XXXX search of the area should have been good enough but they requested an appraiser. I was used to good lenders which automatically terminated on request at 80 % since they new of market values. So now my loan has currently reached 77.9 % LTV and I requested termination but they are telling me I still need and appraisal. They are also telling me that I need to wait until 75 % LTV. I have asked them where that is listed as I do n't see it anywhere in the Homeowners Protection act or on the Consumer Financial Protection website. If contacted I can attach a word document that lists the E-mail exchange between PennyMac and myself in XXXX short pages so there will be no misrepresentation on what was said. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: we have payed on the car for 3 years and still owe  XXXX  the car is only appraised at  XXXX   thur     XXXX   XXXX     now bridgequest how can they charge so much how can we pay fair market value without putting a bigger ding in our creditt

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I owned XXXX % of a property with XXXX and XXXX XXXX, located at XXXX XXXX XXXX, XXXX, Texas. In XXXX 2015, I obtained financing and paid off the Ditech mortgage and became full owner of the property. Prior to closing Ditech informed XXXX XXXX that they did not collect enough money from the existing impound account to cover the property taxes which resulted in a {$2500.00} shortfall. Ditech demanded the {$2500.00} tax shortage be paid through escrow prior to closing the loan. I spoke with Ditech Customer Service Supervisors and I was told there was an existing impound account and if I paid the tax shortage through escrow ALL the taxes would be paid directly by Ditech to the State of Texas. Upon receiving this information from Ditech, I proceeded in good faith and paid the tax shortage and the Ditech loan was paid off. Currently, Ditech is refusing to pay the taxes they have already collected and instead, are sending the full tax payment to my partners as a tax refund! Clearly, this is a violation of my consumer rights. The taxes were collected through the impound account, I paid an additional {$2500.00} for property taxes. XXXX XXXX is holding an additional {$6400.00} in an escrow account because the Property taxes have not been paid! If Ditech does not pay the property taxes, Ditech has deliberately misinformed me and collected funds based on false statements made to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation