milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with the Navy Federal Credit Union and filed a Chapter 13. As part of my court approved plan, I can turn the property over to the NFCU. After explaining this situation they asked that I apply to submit a Deed in Lieu of Foreclosure which I applied to do - before they would approve that they said the property needed to be listed with a broker for 90 days which I did and there is now an short sale offer on the table representing about 95 % of the outstanding loan balance. NFCU is now saying before they approve the short sale they must have a letter from the trustee saying that the trustee will approve a short sale. My lawyer says that before that request can be made we need a letter from NFCU that they will release the lien once the deal goes through and NFCU is refusing. Worse, despite numerous requests for a conversation with a supervisor have never had my call returned. Concurrently, they filed a motion to get a judgment against me for the entire balance remaining on the loan which of course the trustee objected to based on the plan that NFCU was aware of when they sought the judgment. Frankly NFCU seems to be acting in bad faith and I can not figure out why it would be in there best interest not to accept the short sale. They repeatedly tell me that their guidelines do not allow the committee to review the short sale approval without the trustee letter and when I tell them what I need to get the trustee and court approval they tell me that I will not receive the letter. I am afraid now that the offer for the short sale will get pulled thanks to NFCU 's failure to work with me in a timely manner. It is shameful and I can not imagine that this is in NFCUs best interest - they should accept the short sale offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX   7. Wells Fargo Bank 8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 04/19/2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This complaint is for a private student loan I have wi th Citibank Student L oans. The amount owed on the account was {$2300.00}. This account was settled with their preferred collection company,  XXXX   XXXX ,  XXXX  in  XXXX  of  2016  for {$590.00} . Citibank is n ot acknowledging this account as settled and is still negatively reporting it to the credit bureaus. After contacting  XXXX   XXXX  about this they sent me a letter stating that the account has been settled and contacted Citibank regarding this. Since then, Citibank has closed the original account as " transferred to another lender '' and reopened the account  under " Citibank N.A ' ' and "  XXXX  \Citibank N.A . '' with a b alance of {$1700. 00} ( whic h is the difference from the original amount owed and the paid settlement amount ). The accounts are countinously reporting late, deferred and opened with a {$1700.00} balance on my credit files after several disputes and attempts to correct them . Citibank is  in violation of the FCRA. They have cause  my credit score to dra stically decrease by  XXXX  points with the false reporting and duplicate additions of these accounts, and they have cause me to be denied for a mortgage loan. Please 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion lied and said that they investigated and seen that I was not affected by their error. In fact I was and I have proof. They took inquiries off and placed them back on my report without notifying me of such which is a major violation and a suit needs to be brought against them

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax shared my personal data and info allowing identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: i have a mortgage with citizens bank for my home for a small amount, maybe 10-15 % of its market value. i have had this mortgage since 2012 and make my payments in a timely manner. i opted to pay my own taxes and have been doing that, but possibly twice i underpaid or was late in a tax payment and citizens bank insisted that they needed to set up an escrow account. These events were unusual for me, coinciding with a trip abroad and then an emergency in the family and i rectified them as soon as i was aware. As i have been paying taxes, they have paid overlapping payments, requiring refunds which seem to be sent to them, or payments forward. The escrow account that they have set up demands an amount for escrow that is outrageous, resulting in approximately a 50 % overage by the end of a tax year. i have tried to call the person at citizens bank who manages my account but she is " away from her desk or on another call '' EVERY time that i call and never returns a phone call despite my messages. customer service keeps referring me to her and assures me that they have contacted her department and that i should expect a call back. 
i want to pay my own taxes. i also want citizens to be put on notice that they are not allowed to charge excessive amounts to any of their clients and that customer service should include answering phone calls!

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a call requesting my ss # and birthday for a debt which I know nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have on several different occassions try and reconcile this matter with this company. I was not in the   XXXX   XXXX   on the date of service this company is alleging. I have sent several requests asking them to provide me with some documentation that I signed that would implicate me being present on this date of service. They failed to provide me any documentation. Whenever I go to the   XXXX   XXXX   or doctors office I always sign something for a consent to treat or an insurance form. This company can not and did not provide me with anything.They failed to provide me with a proper invoice. They typed up an account on their company letter head with the information they want me to believe is factual according to the conversations I have with this company they are not the original creditor so how are they providing me with an invoice on their letterhead anyway? Makes no sense.

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Performance Settlement, LLC (CA).
Issue: Confusing or misleading advertising or marketing

Complaint: I AM A XXXX XXXX XXXX VETERAN AND MY CREDIT REPORT TOOK A DIVE WHEN I TOOK A CHANCE AND PUT MY TRUST IN A CONSOLIDATION COMPANY ( PERFORMANCE SETTLEMENT ). I WAS MISLEAD, MISINFORMED, LIED TO, AND MY PHONE CALLS WERE NOT RETURNED WHEN I CALLED THIS COMPANY WITH CONCERNS ABOUT MY MONEY TAKEN FROM MY BANK ACCOUNT. PERFORMANCE SETTLEMENT TOLD ME NOT TO ANSWER MY PHONE, NOT TO MAKE ANY PAYMENTS, AND TO SEND EACH CREDITOR A BOGUS ADDRESS SUPPLIED TO ME BY PERFORMANCE SETTLEMENT. EVERYONE I TALK TO SAID THIS COMPANY RIPPED ME OFF, EVEN OTHER CONSOLIDATION COMPANIES SAID THEY HEARD OF PERFORMANCE SETTLEMENT AND THAT THEY HEARD NOTHING GOOD ABOUT THEM. BE FORE I TRUSTED PERFORMANCE SETTLEMENT MY CREDIT SCORE WAS IN THE XXXX, AFTER I EXPERIENCED 6 MONTHS OF XXXX  MY SCORE IS NOW IN THE XXXX, BECAUSE I PAYED PERFORMANCE SETTLEMENT AND LISTENED TO PERFORMANCE SETTLEMENT 'S LIES. NOW I'M SUFFERING AND I AM LOOKING FOR RESTITUTION.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or after XXXX XXXX, 2011, I opened an account with Discover Financial Services. Someone stole my identity along with my credit card information and they proceeded to fraudulently use my credit card. This has happened on several occasions and each time I reported the fraud in a timely matter. To date Discover is holding me responsible for charges and fraudulent payments that I did not make. They have also retained an attorney to collect on this debt that I do not owe. I have all the required proof of fraud and I have applied Discover with this information multiple times to no avail. Lastly, Discover has violated my consumer rights by consistently reporting erroneous information to all XXXX major credit bureaus which has left me credit deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Trans Union, but Trans Union refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.

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 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: THE ACCT HAS CREDIT INSURANCE THEY PAID THE ACCT IN FULL BUT THE BANK ILLEGALLY CAHRGED OFF THE ACCT WHICH IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and I have XXXX accounts and 4 hard inquiries that are fraudulent, unauthorized, lost, stolen, and not mine. The following accounts and hard inquiries are not mine : XXXX XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, XXXX XXXXXXXX XXXX, XXXX Consumer affairs, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with Finance of America Mortgage LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I am enrolled in a equity accelerator program. In XX/XX/XXXX I refinanced my mortgage with PMAC. In XX/XX/XXXX the mortgage was transferred to Finance Of America for a sort duration. I was told that Finance of America took over the day to day operations of XXXX. In XXXX XXXX the mortgage was transferred to XXXX. XX/XX/XXXX a payment was mistakenly sent to PMAC instead of XXXX. The check was received and cashed. I have been working with no success to have the payment sent to XXXX as my mortgage is lagging a month behind, and I have been reported to the credit bureau. Finance of America is telling me that they are researching the issue, but it has over five days and every day I call and every day I am told that there is no update. I am very frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have  Southwest Rapid  Rewards credit card from  XXXX  to  XXXX . I called to close the account on  XXXX .     Chase, the issuer of the card did not appropriately close the account and failed to notify me. The credit card statement were missing in Chase.com credit card website for months of  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX . The Chase credit card website did not make it clear that this credit card is still open by hiding the statements from month of inactivity. Chase charged me {$99.00} twice on  XXXX  and  XXXX .     I called Chase on  XXXX / XXXX / XXXX  to close the account and refund the fee for  XXXX . Chase refuse to refund the fee for year  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Mortgage (VA mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX    XXXX   I received an updated escrow review from my company LoanCare. They increased my escrow requirement to {$670.00} from {$510.00} per month. This was caused by an incorrect calculation by their escrow department in assessing my property taxes for the year ( They computed them as {$7500.00} when they are actually approx {$5400.00}, information they have had since  XXXX    XXXX   when I sent them actual tax bills ) I called in within a few days to explain their miscalculation and was told it would be taken care of wi thin 15 bu siness days, as they would do another review. I then waited and called in for a status on  XXXX   XXXX . They stated they were unable to do a review because they did n't kno w what my taxes were. I did the leg work and contacted my county tax office and was told my taxes were the same as my last billed one. I the n resent in my tax bill and description of wha t the county tax  office had told me on  XXXX   XXXX , where I wa s again told 15 business days were necessary. I have attempted an update via phone or email with LoanCare after the 15 business days had  passed (  XXXX   XXXX  ) and have not gotten any response as to the escrow issue being fixed or even an update on progress. As such, I had to pay the extra incorrectly assessed escrow account on  XXXX   XXXX  for my monthly mortgage. Additionally, they seem to be ignoring my queries and continuing to keep my escrow at the incorrect level to force me to send them more money then is necessary, upon a mistake they made.

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 04/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Macy 's Credit allowed a hacker to make purchases on my account including an electronic gift card for {$100.00}. I phoned in the details on XXXX/XXXX/2016 and followed it up with a fax of their fraud form on XXXX. Called it in on XXXX and they could not help me, instead they said they would call me back in 20 minutes. One day later and have n't heard back. It 's been 4 months since the incident and I have not found a resolution to the fraud they allowed to occur. Their system allowed a hacker to send an instant gift card to anyone without allowing the actual owner of the account the ability to cancel it. Meanwhile I 'm being charged 25 % interest while they take their time fixing this.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion knows someone has been trying to open accounts in my name Despite sending them several police reports and letters from the companies themselves, they continue reporting information that does n't belong to me, such as  XXXX   XXXX ,  XXXX  and credit inquiries. i have n't authorized any credit inquiries in the last 3 years and none listed are covered under fair use, yet they refuse to remove them saying my documentation is n't adequate.

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 07/19/2017 about Debt collection (Other debt) with AFNI INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: [ AFNI, INC SCAM ] AFNI, INC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX This account was opened in XXXX Michigan XXXX at XXXX XXXX XXXX. This account was paid IN FULL on XX/XX/2014 and XXXX was paid Directly to XXXX desk agent at the XXXX store in XXXX XXXX Michigan. I have my credit card monthly statement to prove it. This debt was a past bill that was unpaid but had to be paid in order for me to start a new service at my new address at XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan. The debt collection companies " buy already paid debts '' and past it around from collection company to collection company to attempt to rod people of money. Both XXXX and XXXX have investigated and removed this same item from their credit reports after I disputed them. So now the collection company is trying the last credit reporting agency XXXX to steal money from consumers. Not only that ; XXXX ending up sending me a check because they owed me money for over payments. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the security breach that Equifax had, and the THREE MONTHS before they notified the world ( during which time Equifax executives took the opportunity to sell their stock ) I and two family members are unable to : -Unable to contact Equifax by phone or website -Unable to request a free annual credit report to check my status -Unable to take a request to freeze my credit report.
I think their behavior has been criminal and they have exposed me and my family to worry, stress and their resources are too limited to let me do my part to address their negligence. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax has failed to provide me with documents bearing my signature for a chapter XXXX bankruptcy which is shown on my credit report. I have initiated XXXX good will letters and they still have failed to provide me with documentation with my signature. Under FCRA law they must remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with ENCORE CAPITAL GROUP INC. (FL).
Issue: Delinquent account

Complaint: debt collector from XXXX called my brothers home trying to collect a debt.they called him several times and where forced to give them our number, funny thing is in the last ten years we never reseaved a letter or call from them asking for payment.they have our old address and our new address, but they do n't have our number which we have had since 1997.when they called they refused to tell us who we owed this money XXXX said it was from a debt collector but would never answer the question of who we owed it to.they expected us to just on faith pay the amount.after a long talk he finally said it was from capital bank.we had an account with capital and have paid them off but he said it was from a different account but would not give details.I told him harassing my family for our info was not called for and why did they never send us anything in the mail or call us.no answer

Company response to consumer: Closed with non-monetary relief