milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found out that the comapny was reporting to the credit reporting agency on XXXX, XXXX the company has not followed the federal law in regards to section XXXX of the FAIR CREDIT REPORTING ACT 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, 606 - 15 U.S.C. 1681d XXXX general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I am currently the owner of residence address XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. My loan is with Citibank. The loan number is XXXX. I have been trying to get a loan modification with Citibank and we were almost successful with it. The loan modification that Citibank tried to give me was tremendously high. Citibank tried to charge me {$750000.00} for a condo that market value was {$300000.00} on XXXX/XXXX/2015. My monthly payments were going to be {$3000.00}. I would love to stay in my home but I think it is unfair for me to pay more than what the fair value market is. Citibank valued the property at {$300000.00}, please see attachments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Checking or savings account (Checking account) with Synovus Bank (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been experiencing identity theft for the last year and a half. I have contacted the XXXX XXXX police department here in South Carolina and have submitted all documentation to all three credit bureau 's. Discharge on my credit as negative from XXXX Bank for over {$4000.00} is identity theft and fraud. My home was burglarized back in XXXX and they have everything for my birth certificate Social Security card credit cards checks from XXXX XXXX bank everything. They opened up bank accounts in my name credit cards to retain goods of a fraudulent nature. Changing in XXXX have been very understanding. XXXX has given me the hardest time, and look at me as if I 'm a criminal. I handed them a notearised police report as well as other documentation and they keep telling me that it 's my account after their investigation. However it is identity theft someone is pretending to be me I have freezes on all my credit reports and I 've submitted everything they needed to pull that off my credit but still they wo n't

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (IL).
Issue: Trouble during payment process

Complaint: Paid off mortgage XXXX XXXX,2017. As of XXXX XXXX, 2017, have not recieved funds paid in excess of payoff amount. American mortgage withdrew mortgage payment 10 days after mortgage was paid off. Waiting now 39 days for deed and funds owed to us.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX and XXXX of 2017. I was never late.

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 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by convergent outsourcing for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (NY).
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: Other than a record of correspondence and interest in a loan product on XXXX XXXX & XXXX 2016 the response provided no proof of my intent to apply for a loan through Quicken loans. It is my position that no soft or hard loan application form was ever filled out and therefore submitted on my behalf nor was any permission given to perform a hard credit inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX, experian, has reported a fraudulent account on my credit report

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 10/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been in pursuit of a home modification to my Bank of America serviced mortgage which is also an FHA mortgage since XXXX XXXX. BOA has consistently disallowed my attempt to resolve the deserving modification. I have been vigilant with monthly payments that are inclusive of my escrow and 31 % of my gross income since XXXX XXXX. BOA has brought in a third party and they keep denying that issue. The third party is a collection agency that went under the name of XXXX. In the most recent trial payment that BOA offered the contract stated third party fees would be included in this long term mortgage thru XXXX. I am a XXXX person and my mortgage was taken in XXXX and BOA became my servicer. The XXXX program allows reduction of interest and reduction of principle in most cases also. The bank offered my payments to be reduced to XXXX per month for XXXX trial payments. I completed those then the bank sent a new loan, new loan numbers and in the writing it described the uncertain terms,,, no amount or enclosure details to the third party. I have been making my monthly payments as 31 % of my gross income. my gross income is generated from SS, SSI and food stamps. all of which is unearned income. My income is 33 % below the XXXX indigent level and is non taxable also. I have been attempting to contact BOA with the many telephone numbers that I have been given. All the lines are rerouted and designated to a party that listed as a relationship specialist. I can not even reach customer service for they do not even give numbers to call on the voice mail. I have left ten voice mails in the last week and half. The numbers of contact state BOA but I keep receiving the same voice mail contact. I received a letter dated XXXX/XXXX/XXXX stating XXXX XXXX would contact me. I have had no call from that party either. I received a letter threatening to foreclose because I refused to sign the document that included undisclosed fees to the third party. That is unlawful. I have been paying on my moetgage monthly and as I explained in previous complaints the BOA fails to document them to my credit agencies as partial payments or even as a FHA payment stipulates that escrow is paid then the principle. Please look into this matter as it is unlawful for a bank to not allow recourse or communication to dispute what they do, I have an FHA ticket number of escalation oped from last month and I do not have any info from that either.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have  called XXXX, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

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 09-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Unsolicited issuance of credit card

Complaint: I received two phone calls from the 'capital one ' fraud department to verify I had attempted to open an account. I had not and do not have an account with capital one. The number I am worried about is XXXX. I asked them to somehow verify they are capital one and they said 'they 've never received a question like that and couldnt '.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Other transaction problem

Complaint: Made money gram on XXXX/XXXX/XXXX {$1000.00} & XXXX/XXXX/XXXX {$1800.00} for specific amounts sent to foreign country. Today, receivers could not receive funds due to money gram canceling. Hi phoned money gram XXXX/XXXX/XXXX and agent stated at this time money gram does not feel comfortable sending funds Specifically asked reason why and he could not give me one. Have sent other money grams previously were never rejected. Very frustrating and upsetting when money gram wont follow through. Need help?

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I contracted with a real estate agent for a short sale of our home. We notified all lenders, yet the XXXX lender required repeats on many of our documents, claiming they were unreadable or expired. Finally we were told all of our documents had been referred to the committee. After a months wait we were told they did n't have our real estate agent 's email correctly and our file was now paused. Documents were unreadable or expired. We are in our XXXX extension -- expiring at XX/XX/XXXX -- with a viable buyer because of this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing

Complaint: In XX/XX/XXXX, I was " sold '' a medical line of credit by my dentist called " Care Credit ''. The line of credit was for a dental procedure for my XXXX children. This was the only charge ever on this account. It was opened specifically for this procedure. I was told that the credit was interest-free for 12 months. I have paid the full, original charge. Today, XX/XX/XXXX, I was notified via email of a {$9.00} late payment. I called the credit card company, now called Synchrony Bank, and ask them why I was late? According to them, I still owe XXXX {$300.00}. As it turns out, my card is not actually interest free for the first twelve months, but interest deferred. Therefore, I am now paying the accrued interest for the first 12 months at almost 30 % interest. That is the only amount I owe. I requested that they charge me interest on the portion of the monies owed to them after the initial 12 months interest-free period expired, not the original 12 months since the card was sold to me as 12 months interest free, but they refused. Every month I am emailed an invoice summary telling me just the amount that is owed and the minimum payment due. Nowhere on these emails does it show that the interest is accruing over the first 12 months and will be deferred. I also spoke to a supervisor. The supervisor told me that it is my responsibility to login to their web site XXXX as their emails do not have any information on the deferred nature of the interest ) in order to read their terms. I told her that expecting to log on to examine changes from what was sold to me is not transparent behavior. She told me that I should not have signed up for online statements because I would have otherwise seen the deferred interest accruing on the paper statement. She also called the first 12 months interest free while I was on the phone with her and then went on to say that on the XXXX month I was charged the deferred interest. I explained to her that interest free and interest deferred are XXXX different things, but she insists that what they are doing is the same as interest free. The supervisor 's name is XXXX with ID # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been trying to contact Capital One several times about fraudulent charges on my account, but I continuously get ignored and transferred around! There were several cash advances and charges made without my permission. I advised this company to shut down my account and close it a few months ago, they did n't do it and now there 's several fraudulent charges too.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX XXXX XXXX Navient XXXX XXXX XXXX XXXX, PA XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I called Navient on XXXX XXXX due to a past due balance and inquired about the amount and delinquent status. This was ONLY an inquiry call, as the representative advised that I was out of forbearance options but NEVER had my account reviewed by Navient to have my balance basically start over from zero. He advised that there are options that I can take with Navient to have my account reviewed and basically start my account over again. He advised this was an option and would this be something I would be interest in. I advised NOT at this time, as I did n't know that was an option and will take that into consideration. He advised he would have to send me some information to review and send back. I verified my email address and that was it. I called tonight to pay {$230.00} and the automated system advised my balance was {$25.00}. IMPOSSIBLE ... ..because I have n't made a payment but know that I have to make one, as I was almost 60-90 days before my account going into delinquent. I spoke to several representatives and a supervisor ... XXXX. I explained the issue and advised I want my call pulled. Someone falsified my account and I was filing a complaint. I took called a few times to take the survey,, as the 1st time I asked XXXX to transfer me but he must have stayed on the line because the survey system kept asking saying the same thing after I was trying to make my selection. Apparently, he did n't disconnect the call because if you do n't release the call ... the survey wo n't be activated. Very Poor service ... this company creativity is shot in my book and I want action taken, my account to be reviewed and something to be done ... .I do n't trust this company at this point. I had reservations but now ... .they confirmed my suspicions ... .not creditable. XXXX kept trying to get me to agree to make my account negative again and be reported that way to the credit bureau ... I refused to agree to anything because I never agreed to anything with this company at all ... .I have XXXX  and this has impacted my health and I am starting to feel frustrated, pain and inflammation. 
Desired Resolution : Other ( requires explanation ) Desired Outcome I want my account to be reviewed, call pulled from XXXX XXXX, XXXX. 

This was an unauthorized act from Navient - I never agreed to any income default or forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Wells Fargo Home Mortgage I unfortunately, I got XXXX months behide in my mortgage payments. However, I missed XXXX and XXXX 2015 payments, but I was on track with my XXXX 2015 until present. Technically and legally i am only XXXX and XXXX months behide. I agreed in XXXX 2015 to pay XXXX to bring my mortgage current starting in XXXX. My bank sent Wells Fargo a check in the amount of XXXX on XXXX XXXX 2015 for XXXX payment and also in XXXX XXXX for XXXX payment. Wells Fargo now is saying that I 'm XXXX behind and has put a foreclosure in place. When I called Wells Fargo to ask why did not my XXXX payment get applied to my loan, they claimed it was no where to be find. I have copies of all the checks, i have proof that Well Fargo cashed the checks. Then Wells Fargo did not accept the XXXX payment of XXXX. My checks from XXXX until present have not been applied to my loan. Then they have lost a check worth XXXX and saying it do not exit and now want to foreclosure my house because of their mistake. I need a resolution Wells Fargo must not be allowed to get away with this kind of practice!!!!!!!!! as a loan lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Installment loan) with Camelot Financial Services, Inc. (OK).
Issue: Managing the loan or lease

Complaint: this company called and left private personal messages on my voicemail and also my friends and family. Now today I have been served papers for small claims court. I already filed a complaint and they stated that account was charged off. I want this to be taken care of so that I do not have t pay anything. They violated the FDCPA law by the messages they left.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Southwest Credit Systems, L.P. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Last year a collection account appeared on my credit report from a company called SW Credit Systems. It listed the original creditor as XXXX in the amount of {$1000.00}. I have an open account with XXXX for my residence and I am always current on that account. So I wrote to SW asking to verify the accuracy of this account. They took it off my credit report XX/XX/XXXX. I checked my report today and it has been placed back on without submitting any evidence of the validity of this account.

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

Complaint: I have been listed as pontentially impacted by the Equifax security breach where they were hacked and private information has been leaked. I do not take kindly to my information being leaked or possibly leaked. It 's completely unprofessional to have weak security with regard to such vital information.

Company response to consumer: Closed with explanation