milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Using a debit or ATM card

Complaint: My husband XXXX and I are victims of debit card fraud on XX/XX/XXXX where the individual used an ATM to pull out over {$1100.00} from our checking and savings account. We filed a police report and submitted a fraud claim with our bank. It was denied and we were told we can turn in an appeal with supporting documents like police reports, our time cards from work and distance the ATM used in Oregon is from us. We submitted the police reports from XXXX and XXXX, where the crime took place, along with the police report from XXXX, where we live. The XXXX police were able to get a photograph of the thief but have been unable to find him. In the police report it says that he used several debit cards and got away with over {$3000.00}. I was working both times the fraudulent charges took place and sent that with our appeal. The first day my husband got off work at XXXX in XXXX and the transactions took place XXXX hours away in XXXX, XXXX at XXXX making it impossible to be him along with the video surveillance proving that it was n't my husband using the debit card. The second day the criminal used an ATM in XXXX, XXXX at around XXXX while my husband used his debit card in XXXX XXXX at XXXX at around XXXX. Our appeal very clearly proved that these were fraudulent charges but was denied because it was " suspicious '' and because they said it was a now a public crime because the police were involved when we were told to contact the police by our bank. Navy Federal Credit Union is refusing to credit our account with the amount that was stolen from us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: hardship loss job have not been able to recover

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: Citibank card ( XXXX ) has been calling both my husband and I and harassing us at least twice a day, every dingle day about payments being late. In addition to this, we receive about XXXX letters of correspondence in the mail per week telling us we have late payments. All of our payments are on time, and we have never made any late payments. Since we have made a complaint with the CFPB in XXXX of this year, and the harassment has not ceased, we are contacting our attorney and filing lawsuit. I want Citibank to cease and decist all collection attempts for this now alleged debt, and any further communication by telephone or mail will be collected as evidence of further harassment. We expect a check in the mail as a provisional settlement on this account in the amount of {$1100.00} in the next 30 days, which is the total amount paid forward on this account to date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit determination

Complaint: On XX/XX/XXXX, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. How can anyone consider that excessive? The " delinquent '' bill in question turned out to my Bank of America MasterCard, in the amount of {$25.00} [ I made a donation to my XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a " poor credit risk. '' Up until this happened my FICO score was XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have an American Express personal green card ( XXXX ), which is in good standing with AE, however, I am also the CFO of company XXXX XXXX XXXX out of NJ, I applied on behalf of the Company XXXX XXXX XXXX XXXX-I provided AE with the company 's TIN and instead they place my personal SSN in under the Account, thus making me personally responsible for the Company 's debt, thus freezing my own personal account with AE! I informed them of the error and included the fact that I never agreed or guaranteed liability of any debt incurred by XXXX XXXX XXXX and its ( if any ) affiliates, I am just the executor of the financial dealings of the company ( we even made arrangements to pay off the balance and get the card back on track as we hit by this years forces of nature ) - My personal Account should not be affective by the Company which i am just a representative of ( XXXX ).
Thank you in advance for your assistance in this matter XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with DISCOVER BANK (IN).
Issue: Transaction issue

Complaint: Today, I was issued a XXXX that I did not approve This has happened to me more than once Usually, I just pay it, but I just was released from the hospital and can not afford this Please take this charge off I 'll close the account after this is satisfied, and there 'll be no more problems Any questions, please notify me on my email account Thank you in advance for correcting this XXXX XXXX email ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is falsely reporting that I filed a Chapter XXXX bankruptcy and obstinately refusing to delete XXXX accounts from Bank of America that they are wrongfully reporting as discharged in a Chapter XXXX bankruptcy. This is damaging a mortgage application I have pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my property 2 years age and paid off the loan serviced by GreenTreeServicing LLC. They continue to report that I have not paid the loan and that I still owe on it, when it was clearly settled. This is affecting my credit reports as they are being non cooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affid
avit of Demand by XXXX XXXX XXXX XXXX  OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XX/XX/XXXX/2017 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 08-01-2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (CA).
Issue: Problems when you are unable to pay

Complaint: Due to being unemployed, I fell behind on my car loan payments. I was contacted, and tried to deal with the issue right away. I remained in contact with the lender, despite their poor communication skills. I could n't afford to pay the full amount ; so I was offered a deferment plan. I was to pay fees ( {$95.00} ) immediately, and pay the loan amount {$180.00}, by XX/XX/XXXX. I paid the {$95.00} immediately on XXXX XXXX 2016 via XXXX, using the loan companies pin number. They would n't accept my debit card ; or automatic payments, and said I had to use XXXX XXXX. I have a hard copy of the receipt. I paid with cash. I sent an email to the Loan Company immediately after making the payment. I did n't hear anything back from them. They have my email, work number, cell number, the number of a friend, and my address. I assumed all was well. Unfortunately, XXXX sent the money to XXXX, and did n't send the money to the lender. XXXX admitted guilt. Need-less-to-say, the lender never received payment. They repossessed my vehicle XXXX. The lender will not let me speak to a manager ; or a supervisor until I make a full payment : {$960.00}. Please, help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted Transunion in regards to a Public record on file, ( Tax Lien XXXX County City Registry ), First letter i send in requesting to verified this file, I send my Copy of my social and License along with all my letters. They respond was that they need more information. I sent in a second letter, they respond was that this dispute looks suspicious, i responded to letter and preceded to send in a third letter and they respond was that the information im disputed information is not on file. I call to see if that would help instead of sending letters. They explain to my that the last letter saying that disputed information is not on file was a mistake. but the intended letter, show be that file was verified. I ask for the letter the representative stated that letter is populated ( not sure what it mean ) and cant be reprinted. I have all the proof i send then letter to verified this information.

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 09/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I purchased a car from XXXX XXXX through Santander. OMG My Worst nightmare. After only a few days this car broke down. I called XXXX XXXX 's salesman that sold me the car and he was beyond RUDE. Ignored my calls, told me i had to get the car towed etc. My insurance would n't tow it to XXXX XXXX and i had spent all my money trying to fix this vehicle now i KNOW i was still in the time frame to return this vehicle. That was my plans but this company refused to give me any help. This car has been broke 2 weeks after i purchased it. It was a lemon. Now i know I 'm still liable for this debt but I 've tried to return this broken vehicle. Why should i have to pay on a car that i only used 2 weeks. On top of that Santander is flagging my account with late payments after refusing to help me. I have been struggling to get to work, school and my son 's extra curricular activities. I spend ALL my money on GAS money while this broke LEMON sits in my yard!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I added my name with my son when he opened a XXXX account when he began living on his own in XX/XX/XXXX. 

He moved to a different location in XX/XX/XXXX and my name was removed from the account, per a XXXX XXXX representative, because he had now established a payment history with XXXX. 

My son got married and moved XX/XX/XXXX, however he states that his bill was current and turned in all equipment when he switched to a different carrier XX/XX/XXXX. 

In XXXX XX/XX/XXXX I get a letter stating my name was on this account. As i stated prior, this is not true, my name was removed from the account per XXXX when he moved his service to a different address in XX/XX/XXXX. 

In 7 years while my son continued service with XXXX, I never received a bill, a phone call for late payment or anything in this matter but when he cancels service, now i get a letter from a collection agency. Now this negative reporting in on my account that i have nothing to do with. 

I have called to talk with XXXX XXXX or should I say their collection agency ( I never had any contact directly from XXXX only the collection agency ) And I have remained and the same address and phone number for 31 years. 
We are unable to come upon a resolution. They state there was boxes not turned in?? I find this very troubling and almost fraudulent. 
Any help with be greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 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: Account status incorrect

Complaint: My account has been paidoff in  XXXX  so how can it be reported late in  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 11/13/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (UT).
Issue: Problems when you are unable to pay

Complaint: I have a loan through TD auto finance. I have fallen behind on my car loan with them. I have tried to work arrangements out with them to try to catch up in installments to prevent collection calls but they are refusing to work with me. What is worse they are consistently calling my parents house where I do not live and my parents are not on the loan. I have requested that they stop calling them since I do not live there and they have no part in this loan. The company refused and said they would not remove their number or stop calling them until I brought the loan current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i reach out to DIVERSIFIED CONSULTANTS reguarding them reporting a debt to my credit report with a complete different social security number, had to call over three times to get the account info so i can call the creditor also was blind transfer to a manager voice mail.who was previous rude as XXXX, without a care in the world.everytime i try to make me pay for another account that was closed out for fraud already in a different state i dont live in..worst experience i every had dealing a collection agency.also i never recvd any calls nor validation of the debt know as validity to dispute this matter before reporting this matter as all..

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Two days a go I received in t he U.S. ma il my " Experian '' credit report dated "  XXXX   XXXX    XXXX  . On " Pa ge 31 of 36 '' under th e section entitled " Record of Requests for Your Credit History, '' it notes that "   XXXX   XXXX   '' unlawfully accessed my " Experian '' credit report on "  XXXX   XXXX ,   XXXX  . '' This is NOT mine. I am a Victim of Identity Theft.

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 12/18/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX, XXXX, I sent a certified letter to all three credit bureaus inquiring about a debt that is listed on my credit report. The amount was approximately {$6200.00} from XXXX for an apartment complex. I was n't aware of it until I was denied residency at an upscale apartment housing complex. I received a response from the bureaus that redirected me to National Credit Solutions. 

On XXXX XXXX, XXXX, I sent a certified letter to NCS. Per the certified XXXX tracking notification, the letter correspondence was received by NCS on XXXX XXXX, XXXX at XXXX. After not receiving a response, I sent a second certified letter on XXXX XXXX, XXXX. According to XXXX tracking, the letter was received on XXXX XXXX, XXXX. To date, I have not received a response. In both letters, I asked for verification of the debt. I am very frustrated that I am not getting a response from this company. I am requesting this item be removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage on my home at XXXX XXXX XXXX, XXXX, SC XXXX. The mortgage was originated by XXXX XXXX Bank in XXXX and subsequently assigned to Ditech Financial, LLC. The home was sold on XXXX/XXXX/16, with payment in full received by Ditech on XXXX according to XXXX of their representatives. The payoff received was more than the amount owed, and Ditech was holding almost {$2700.00} in escrow for insurance and taxes at that time. Since the closing occurred more than 30 days ago but I had not received a refund, I called customer service. The representative I spoke to said Ditech was holding my money and will issue a refund " sometime next week. '' I asked the rep whether Ditech was going to pay me interest for holding my money for 30 days plus w/o my consent and he told me they will not. He went on to say they are " required '' to hold any overages for 30 days. I am an attorney who represents banks and other financial institutions. I am not aware of any requirement that overages left in an account following a complete payoff must be held for 30 days ( plus another week for them to " process '' the refund ). I believe Ditech is using the float on my money to make more money for itself w/o compensating me for its use. I understand that Ditech services millions of mortgages in the US alone. If they are doing this every time a loan is paid off, they are making literally millions of dollars every year wrongfully withholding money from borrowers who have no agreement with them allowing them to do so without compensation after they ( or the lenders for which they are servicing the loans ) have been paid in full. Nice job if you can get it. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last Reported XX/XX/XXXX Collection Agency MED DATA SYS Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$170.00} High Balance {$170.00} Remarks Placed for collection

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 10-11-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NH).
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint: I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation