milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently in the process of refinancing my home mortgage, after the application process we were advised an appraiser was selected by the loan servicer it resulted in a low appraisal based on unrepresentative comparable properties used with several clerical errors cited in the appraisals were addressed to the loan officer. The loan officer with US Bank only stated that appraisals are iron clad and will not change rather than reviewing the valid errors presented or advising of any recourse for the process of a challenge. I emailed the loan officer on XXXX/XXXX/2016 a detailed appraisal challenge and ask that he submit the information to the appraisers office XXXX Since there was no response from the loan officer I made several attempts to reach him leaving voice mails on separate occasions until I made several follow up calls to his superior with messages left then the loan officer accepted my call after advising the operator that I would have to cancel my loan since there were no responses from the loan officer or his supervisor on XXXX/XXXX/2016. He began to repeat that the appraisals can not be changed yet when asked about the challenge I submitted on XXXX/XXXX/2016 he revealed he did not read the email and that he did receive it, I informed him I would like to have the information reviewed by the appraisers office and he advised he will submit it to his manager. The manager called me on XXXX/XXXX/2016 XXXX and requested XXXX XXXX for the suggested comparable properties in the appraisal challenge which was scanned and emailed XXXX/XXXX/2016. The manager then emailed asking for properties that were XXXX miles from the property with the report shows was the closest property in proximity to the subject property however all of the comparable properties used had an incorrect distance to the subject property. The XXXX suggested comps are exactly the same distance as XXXX of the properties used in the report so I requested that they be used since the appraiser used properties in the immediate area. There was no further response. I would just like a fair and accurate 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 08/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have smart option student loan with XXXX Bank with cosigner. I applied and made several calls to them to have my cosigner name released and every time request has been denied. My cosigner has no income. 
Every time, I call or request, the requirements to release the cosigner changes. 
This loan was approved with help of cosigner, which was recommended by XXXX Bank to increase the chances of my approval at the time of an application. Now, it has been more than 4 years, I have been making timely payments. I have checked all the loan disclosure papers, no where it says the requirements needed to release the cosigner. 
Please help me find, where on those loan papers we signed, says what are the requirements to release the cosigner at the time of approval of the loan. Why did the requirement to release the cosigner name went from 12 continuous monthly payments to 24, 36 and 48. Why is there a need to check credit reports for the borrower and cosigner ( has no income now ) all over again. Does XXXX XXXX bank wants to punish the borrower and cosigner? This company has never been cooperative and never works for the benefit of their customers. In my opinion, it would be better if XXXX XXXX Bank closes their operation, this would save lot of customers from agony and ruining their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; XXXX. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy. 
Desired outcome is for the credit reporting agency to remove the public record they are reporting on my credit report because they do not have accurate information to determine that I filed a Chapter XXXX Bankruptcy with a case number of XXXX. 
It is a violation of the Fair Credit Reporting Act, and under the Fair Credit Reporting Act credit reporting companies have to take MAXIUM steps to ensure their information is ACCURATE. If I ca n't be provided proof by them, they must DELETE what they are reporting from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I co signed a loan for my daughter Discover sl has refused to go after her -- i feel they should try and find her -- she is not talking to us anymore. and will not work with me. They call me just before the payment is due or say your just a couple of days late and it has not affected your credit yet but if you do n't pay now -it will

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Billing disputes

Complaint: I received a bill for my American Express corporate card for a charge in XX/XX/XXXX I never initiated. I disputed the charge, advising I was never in that location, and there will neither be any A ) security footage of me using that card in that location or B ) documentation with my signature. Amex came back without any footage from the store in question and with a receipt that did not have my signature on it. The person who signed the receipt did n't even try to sign my NAME, much less my signature. AMEX claims the receipt which is clearly signed by someone else is proof enough and that I am responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Upon checking my credit, I have an open collection for rentdebt, I have never received any documentation of a debt owe, I would like a debt validation notice, verifying this is my responsibility also the proof they are able to collect debt in the state of Texas, I would like the surety bond information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX made an appointment at my home address with 5 Star Sales Representative XXXX XXXX  XXXX. On this day he prepared a written estimate for a new roof on my home at the same address. This written estimate was for a complete job valued at approximately {$7700.00}. At the same time XXXX XXXX put me in contact via phone with XXXX XXXX Sales Manager XXXX. XXXX XXXX  informed me that I was qualified for a loan. She stated that she would send me an email with financial paperwork, which she did. This paperwork was to be sent back to her via fax. She stated to me on the phone and in the email, that she would follow up with me the next day. This would be a phone call to discuss which loans I qualified for and repayment interest. At no time did XXXX XXXX mention a credit card. She Never called back to discuss any financial matters Nor did I ever return any financial paperwork to her office.
I looked at my credit report on XX/XX/XXXX and was shocked to see a credit card in my name from Synchrony Financial. I, XXXX XXXX XXXX, never applied for this credit card. I have never received a booklet from Synchrony Financial bank regarding interest or repayment information. I never received a credit card agreement from XXXX XXXX or Synchrony Financial.
I did not her from XXXX again until XX/XX/XXXX asking me if I was ready to schedule a time for the roof to be installed. At this time I informed XXXX XXXX that she applied for a credit card in my name without my knowledge when I was inquiring about a loan. I never retuned any paperwork to her office, nor did I ask for a credit card. XXXX XXXX never followed up with me regarding a signature page to open any line of credit ; loan or otherwise. I never received an interest quote.
5 Star and XXXX XXXX opened this credit card account in my name without my knowledge, which is fraud at the very least 5 Star misrepresented financial services.
I closed this account on XX/XX/XXXX.
I started a fraud investigation on XX/XX/XXXX.
I am requesting this account be removed from ALL of my credit reports because I had no knowledge of it prior to its opening, nor did I personally agree or apply for this card.
I, XXXX XXXX XXXX, did not open an account with Synchrony Financial.
I, XXXX XXXX XXXX, had no knowledge of this account prior to me receiving the credit card in the mail.

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 06/26/2015 about Mortgage (FHA mortgage) with TIAA, FSB (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Everhome Mortgage to advise them that I was looking at selling my house on land contract and asked if that was allowable under my mortgage. They advised it was and that I simply needed to make sure that I provided them with proof of insurance from the new buyer when the sale was completed. I made sure that I complied, having the buyers insurance company sen Everhome evidence of insurance for the closing showing the buyer paid a premium of {$280.00}. Everhome in turn submitted a check to the insurance company for {$280.00}. although the insurance was shown as already having been paid. The payment was made to the insurance company on XX/XX/XXXX. On XX/XX/XXXX another check was sent to XXXX XXXX XXXX out of my escrow for {$900.00}. XXXX XXXX XXXX XXXX claims that they never sent Everhome any bills but simply evidence of insurance. XXXX XXXX XXXX in turn sent a refund to the buyers agent for the combined amount and the buyer 's monthly insurance premium was reduced by the buyer 's agent - with no explanation as to why. Therefore the buyer had no idea someone else paid their insurance. 
I contacted both Everhome Mortgage and the insurance broker and each continued to tell me it was the others problem. In the mean time Everhome increased my monthly payment requirement to the escrow account. 
I finally got the insurance broker to agree tto start a process of reimbursing me however it is impossible to make any progress in my attempts to keep Everhome from making a payment to the insurance company when they send proof of insurance again. I continue to be told by Everhome personnel ( I believe both phone calls to their customer service rep XXXX on XX/XX/XXXX, the first shortly after XXXX were recorded ) that when they receive proof of insurance they will send a check to the insurance company. I have been told it makes no difference if the proof of insurance shows no premium is due or the policy has been paid in full. I have been repeatedly transferred around, put on hold and transferred back to the area that originally transferred me time and time again. It appears that Everhome subscribes to the policy that if they transfer you enough times you will get frustrated and stop calling. All I want is to get them to stop paying someone else 's insurance company that is n't asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing to complain about Central Financial Control Agency, CA reporting on the XXXX credit reports that I have unpaid medical payment. 
The balance on the medical bill was transferred to the collection agency by XXXX XXXX XXXX, XXXX, TX XX/XX/XXXX due to an error from their billing department stating that I missed a monthly payment. I had to fax over my credit card statements showing that I made the payment before it was resolved. I asked for my account to be removed from collection, since it was an error on their part but was told that they could n't retrieve it since it was already in collection. 
I started paying monthly payments of {$100.00} to Central Financial Control, CA from XXXX/XXXX/XXXX and made the final payment of {$100.00} for the balance on my bill on XX/XX/XXXX. I asked for a letter stating that I had finished paying the medical bill ; I was told the letter would be sent to my address. I was surprised a few months after to receive a bill stating I was owing another {$100.00}. 
I called several times and was told that a refund was issued to my credit card and that caused me to owe that amount. I told them I did not receive any refund and faxed over my credit card statements showing no refund issued to me. I was told several times that it was being sent to their research department. I never got a response back and called for several months, even till XX/XX/XXXX. 
I felt it was resolved and forgot all about it, until I saw it on my credit reports XX/XX/2016. 
I paid the final balance on the bill on XX/XX/XXXX and do not owe any amount since I did n't get any refund on my credit card as stated by the collection agency. I want the {$100.00} medical item deleted from my credit report with the XXXX credit reporting agencies - XXXX, XXXX and XXXX. 
Thank you for your assistance in getting this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX, we had a flood in XXXX XXXX. Over XXXX homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.

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 05-07-2015 about Debt collection (Credit card) with Vision Financial Corp. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A third party, vision financial, called my place of business using the name XXXX XXXX about a Credit card debt that I do not owe due to my identity being stolen three years ago. I told her that this was a government installation and that they should not contact me here again. I foolishly gave her my cell phone number thinking that would not call work again. Not so. The debt has changed hands multiple times with each new collector making multiple harassing calls. I would like this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX, I paid off balance {$4000.00} online from checking account.

On XX/XX/XXXX, I canceled recurring payments of {$110.00} set to occur XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, Bank of America ( BOA ) processed an electronic payment of XXXX from my checking account. I did not authorize this! The credit card balance was already {$0.00}, and the transaction was not necessary and not authorized! This transaction resulted in a credit balance of {$4000.00}.

On XX/XX/XXXX, I noticed the unauthorized transaction and called BOA to look into possible fraud. Spoke to multiple departments - fraud, credit card services, online services - but nobody could provide reason or how an unauthorized transaction could have occurred. XXXX investigation # XXXX supposed to look into this matter. I requested the XXXX be refunded to me by check.

On XX/XX/XXXX, I called BOA regarding the findings of case # XXXX. BOA 's response was unsatisfactory because they only stated the facts of what happened, and did not provide an explanation of how such a transaction occurred without my authorization. It was not a mistake on my part, as I have evidence of my recurring payment for XX/XX/XXXX was canceled. Furthermore, the setup for my recurring payments was only {$110.00}. My account scheduled payment activity history does not show any authorization. I still believe there may have been fraudulent activity, but on the part of BOA in taking money from my checking account and hoping I would not notice.

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 07-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing specifics on my credit report for months now and they keeps sending the same generic letters back - As a consumer I am entitled to proof of how the specific account was verified and who was spoken to and the documents sent to me directly.

Company response to consumer: Closed with explanation