milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Mortgage (Other mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've been a member of Navy Federal Credit Union since XXXX. I bought a house when I was XXXX in XXXX using NFCU in XXXX just before the housing crisis. In XXXX XXXX, I had to go through a short sale because I was being XXXX to XXXX, I had to leave my family with my friends in XXXX and I was having problems finding tenants for our house in XXXX. I explained to NFCU that I want to pursue short sale and can not pay my monthly mortgage starting in XXXX XXXX. NFCU without my authorization, deducted the mortgage payment from my checking account for 6 months while I was XXXX in XXXX and while I was going through the short sale process. I did not authorize this payment and I did n't arrange for any automatic payment from my checking account to go directly to my mortgage account. NFCU transferred funds from my checking account to pay for my mortgage without my approval. This issue caused additional financial hardship to my family while I was XXXX in XXXX. I also want to check if this issue is covered by the recent judgment on NFCU for their illegal credit collection practices. Appreciate your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with College Foundation, Inc. (NC).
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: On XX/XX/XXXX I was past due on my College Foundation Inc student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XX/XX/XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XX/XX/XXXX, and XX/XX/XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called College Foundation to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.

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 07/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Western-Shamrock Corporation (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Reporting late payments and I was never late and paid the account off early.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Non-federal student loan) with Lockhart, Morris & Montgomery Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Beyond all measures this company have failed to provide efficient proof that the debt owed was dispersed from XXXX, they uploaded documents of me asking to have unauthorized inquires removed and a fraud alert from XXXX, but fell to upload the affidavit that legitimize the allege debt. The original lender on the contract that I signed says XXXX, who denied giving me a loan. In the previous claim submitted to the CFPB Case number : XXXX by me. Lockhart, Morris, and Montgomery INC. came to the conclusion that XXXX supplied them with an affidavit signed by me, with XXXX as the original lender of the alleged loan. Since they will not send me the affidavit, I would like to see it uploaded to this website, as validation of debt. I REPEAT DO NOT MAIL AFFIDAVIT TO ME, UPLOAD IT TO THIS WEBSITE WITH YOUR RESPONSE. If they can not furnish such document. I want this debt removed from all credit bureaus. A copy of their response to the previous complaint have been uploaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I obtain services from XXXX a while I cancel the service because the services was not what I thought it would be. So I contact the company and the request me return the equipment becuase this equipment was self install by and they did offer installation. So we I was remove the equipment such censor and things I sent them the wrong item. So contact me and informed via mail and phone that I submitted the wrong equipment. So I final figure out the right equipment and return it to XXXX. On Friday, XXXX XXXX, 2015 I contact XXXX to confirm the receipt of there equipment. I spoke with XXXX who inform me that they receive the equipment and had process a refund. I ask the what account number or card number the credit was apply to because I made severall change far has banking and they might trace or put stop payment on the refund. So I aslo provide the credit card number and XXXX to apply the payment to my current card. On Monday, XXXX XXXX, 2015 I received a call from XXXX stating that I will not be receiving my refund becuase it has been apply to close bank account or credit card. Please explain how can a credit be apply to closed bank account and credit card. Then later I was contact be Staf trying to explain the situation that did not make any sense to me. How can refunds be apply to close bank account and bank card. Please review the Banking ( charges ) for XXXX and the account they said was refunding the money to I do not have the card order information anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. 
2. XXXX has a scheduled payment amount of {$770.00} per month and the account states {$770.00} owed total. And XXXX charged off. 
3. The Date of the last payment is XXXX and the Date of the first Delinquency is XXXX. 
4. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was informed on XXXX/XXXX/XXXX that I had been sued and that my wages were being garnished. I was advised that a debt from XXXX was purchased by the company XXXX XXXX. I was never served or notified that I was being sued in court. As a result of this I have to quit my job because I do not have sufficient funds to support me and my family and fuel my vehicle to get to work. These people purchased the debt after being written off from the original credit card company and doubled the amount claiming interested. A {$12000.00} debt has now become a {$58000.00} debt because this company has added an outrageous amount of interest, and fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Real Time Resolutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we did a short sale of our home, located in California. The second mortgage was transferred to a collection agency, XXXX. In XX/XX/XXXX the debt collection agency XXXX was informed that under California law and attempt to collect the deficiency is not permitted. In addition as set forth in section XXXX, no such debt is even owed. This debt is reported on my credit report for at least 4 years, this illegal attempt to collect this deficiency has damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with AMERICAN EXPRESS COMPANY (LA).
Issue: Payoff process

Complaint: I owed a large amount to American Express Consumer credit card. I refinanced my home and was able to roll the debt into my mortgage. I received a check for the payoff from my mortgage holder ( XXXX XXXX ), contacted American Express collections service in XXXX, AZ for the full payoff on XXXX XXXX, 2015. The payoff amount provided by the collection service was XXXX plus {$270.00} in interest accumulated. I Mailed via XXXX Priority Overnight, Saturday Delivery the requested funds to the debt collection center in XXXX, AZ. so the payment was received on XXXX XXXX, 2015, in full. American Express Failed to post the payment until XXXX XXXX, 2015. They then proceeded to Charge me interest on the outstanding balance, after receipt of my payoff in full. Since then, they have charged interest on the interest and late fees, yet I was not contacted by their collection agency regarding any difference in the payoff amount and the amount submitted. Today, they have reported the account as delinquent and posted a negative notation on my credit report, and when I contacted them to inquire about what had occurred, a person at a call center in XXXX, told me that the payoff amount provided by the company was basically worthless, since interest accrued from that day till the payment posted. What legal recourse do I have.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs. 
o We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package. 
o I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire. 
o My wife XXXX has XXXX 
o We XXXX take many medications and I can no longer work so I can no longer make payments. 
o For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. 
o We are XXXX years old and own no property or vehicles. 
o We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. 
XXXX/XXXX/XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with Wells Fargo Bank, who after my husband passed away from XXXX XXXX refused to help with loan modification after I XXXX from my husband passing. They told me that my credit score needed to be at least at XXXX, then never helped me with a loan modification, and later foreclosed on my house.

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 11/23/2017 about Debt collection (Private student loan debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2017. This company 's action is not federally backed. This company is trying to collect a debt that is past the 4-year statute of limitation which definitely has already expired. Also in the letter they sent, there is nothing stating that the debt can not be sued over. These definitely are violations of FDCPA. Collection agencies are obligated to state this in their correspondence. I am also sending this company a letter to demand them to cease and desist any collection activity including reporting to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: My SSN Is About 8 Months Old and They Show Some Credit Card Of Chase On My Credit File. From Like 2013. Actually At That Time I Was Not In The United States.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received another notice from Nationstar recently XXXX XXXX XXXX ). I 've filed a complaint against Nationstar in XXXX XXXX showing that Ive filed Chapter XXXX XXXX # XXXX, discharge date : XXXX XXXX, XXXX, thus releasing me from liability involving the mortgage and property. I am still receiving billing and paperwork from XXXX XXXX ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquires on my Trans Union Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was unemployed, and asked to be switched to Income based payments. Navient instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought XXXX {$500.00} Gift card issued by U.S. Bank National Association at XXXX 's in XXXX, CA in XXXX. I still have the physical card, original receipt. I planed to gift them to my friend for his birthday. When I checked balance before I gave them out in XXXX, They were showing less than {$20.00} on each card. Some XXXX made purchased in XXXX, Rhode Island. I have never been there and I have my cards all the time. I called customer service, a rep shut down my account and my account was under investigation. I called them back in XXXX XXXX, the operator said my case was still in investigation and there was no time frame and there was no guarantee that I would get my money back. I am worried because {$1500.00} is a lot of money. Then I started to do research online. I found out there are a lot of gift card fraud in XXXX California and US bank has very bad reputation. Some victims waited 7 months but No one got money back after investigation. 

There are a lot of victims out there like me. I attached a blog link XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have state tax lien reported on XX/XX/2010 that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help

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 03/29/2017 about Credit card () with CITIBANK, N.A. (OR).
Issue: Rewards

Complaint: On XX/XX/XXXX, I filed a claim to utilize the extended warranty benefit on my Citi Double Cash card. The claim was for an 4K HDTV that was not functioning in 4K. I submitted all of the required paperwork on XX/XX/XXXX and was told that a third party company would be used to verify the issue and determine a salvage value. I was not contacted by the third party service until XX/XX/XXXX ( 28 days after initial contact ) and asked for a few basic questions about the situation. After another 47 days ( on XX/XX/XXXX ), I contacted the Citi Benefits team and was told the third party company had submitted their report on the situation, even without coming out to verify the problem or seeking additional information from me. Today ( XX/XX/XXXX ), I received the notification that was my claim was denied, which is 96 days after my claim was initially filed. The reason given for denial cited that the " ( TV ) unit does not have the same compatibility rate '' as the 4K device. This is technically incorrect - the TV has twice the required rate for the 4K device, so there should be no compatibility issues due to that. I called Citi Benefits customer service to make them aware of this error and was informed that it was my responsibility to seek another vendor to verify the issue. After being told this, I asked to speak to the manager ( XXXX ) and was informed that he would request that the same third party service come and physically verify the issue. I have no confidence that there will be any resolution or follow up based on my previous experience with this group. 

Based on time duration, constant errors, and technical incompetence through this process, I believe Citi is intentionally trying to avoid honoring their extended warranty benefit. I also have no confidence that the customer service team supporting the Benefits department is advocating for the customer or trying to seek fair resolution on these issues in a timely fashion.

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 01/15/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bayview loans holds my Mortgage. It seems they are giving me the runaround and have no intention of approving any modifications. I submitted all docs required. I meet all requirements for modification as my income was cut in half due to retirement. I am 1 month behind because of them not approving this. they turned me down once and told me to reapply, reason they turned me down they said docs were not sent in on time. have papers to prove that is a lie. Then I reapplied and sent them XXXX pages of docs at XXXX time. Underwriter should have gone over all docs at XXXX time and if anything was needed send out XXXX correspondence with any questions. Instead just like the first time they send asking for XXXX thing than 3 weeks later another thing than3 weeks later another. It got to the point they asked for the same docs twice. I sent XXXX faxes to the CEO of Bayview to express my concerns and was never answered. My bank told me that they are doing this because they have to by the Government and this is their way of avoiding this. I need someone to step up and help me. there is a lot more about what has occurred with them. I have all papers from the first time I started this till now and they prove what they are doing to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: The credit reporting agencies have added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company response to consumer: Closed with explanation