milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2017 about Debt collection (Payday loan debt) with Critical Resolution Mediation LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by a  XXXX   XXXX  on  XXXX   XXXX ,  2017 , he was calling for a company called Critical Resolutions Mediation. Which is supposedly a Georgia based business. He started by telling me I had an outstanding debt with  XXXX   XXXX  for a defaulted pay day loan. I tried to explain to him that I have never had a bank account with the bank account listed in the loan information. I asked for written validation and he told me the best he could do was email me a copy because if I did n't resolve this issue that day I would be taken to court and prosecuted. I panicked and upon receiving an email with documents to " validate '' the debt I promptly deposited {$320.00} into a  XXXX   XXXX  account numbered  XXXX . I called  XXXX   XXXX  yesterday to find out if I owed and the amount I owed, because I was supposed to be making another payment to Critical Resolutions Mediation on the  XXXX  of  XXXX . I was told by the lady I spoke to at  XXXX   XXXX  that there is no information for me owing or even ever having a loan with them. She informed me to file a complaint about the Critical Resolutions Mediation as they have scammed me out of {$320.00} and that they are not even a debt collector that  XXXX   XXXX  works with. So  XXXX   XXXX  stole {$320.00} from me as well as threatened legal action against me. The number for  XXXX   XXXX  at Critical Resolutions Mediations is  (   XXXX   )   XXXX  ext  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent multiple letters certified to experien.com to have the bankruptcy removed as this was over 10 years ago and they have failed to do so after numerous disputes asking them to remove this from my file they have neglected to follow FCR a rules and laws. I am asking to help with this to get deleted from my file

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold bank account with Citibank XX/XX/XXXX with promo code XXXX, which promised XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and 2 months of bill pay. I confirmed the promotion was attached to my account, and on XX/XX/XXXX received a letter from Citibank confirming that I have satisfied the requirements of the promotion. The letter stated that I should receive my miles by my XX/XX/XXXX statement cycle. I still have not received the miles as promised.

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 02/20/2018 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (ID).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX calls 10 times a day if not more they bug me over and over again and wont stop sometimes they just call and hang up other times they keep telling me over the phone calls will contuie and there is nothing i can do about it this is my cell phone and i do not want them to ever call it again this time i did get mad and i did sware but you have to undertand they dont stop and its getting old real fast i was on the phone with my mom and they called and it kept akeing this beeping sound becuase i would not ancwer it this has to stop they nearly made me homeless and as far as that goes im not going to pay anymore i as paying every month then i called and said i cant pay you this month or i would not be able to pay my rent or get food to get by they took it anyway in the form of a cheek that they never told me they could take and i nearly lost everything i lost my car could not pay for that my family did not have enugh food and had my family not steped in i would not have been able to pay rent they made my bank go negitive by XXXX dallers i lost half of my XXXX money if my family did not help i would be on the streeXXXX so i dont think i should pay them anything anymore lost the car could not feed my family and nearly went homeless THOSE PEOPLE ARE MONSTERS they do not care about anyone or who they hurt please help me to get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a long history of issues with Navy Federal Credit Union. It started on the first month of the mortgage with them. All the closing documented had one start payment date, a short time later they told me the first payment had been changed and is now due less than weeks from this notification. 

Another highlight was when I took a XXXX cut in pay during financial crisis. I was having issues with making a payment so I called for help. They said I could spread one payment over the the following three months. I soon learn they turned off my credit-card and reported to credit bureaus I was 30+ days late for the following three months I was making up the payment. I complained to NFCU and they refused to make it right. 

During the last several years I was still struggling and NFCU would refuse to help/offer assistance. I filled out their relief packet with no help in return with the 1st mortgage, they did help with the 2nd. I called the VA more than once for assistance. On more than one occasion they stated NFCU was very difficult to work with and they had to call NFCU in order to force them to work with me. 

During the same time I needed help they would deny me access to my accounts if I was late paying. When I complained they said I needed to call in if I wanted help with accounts. 

On a couple of occasions my home was on the brink of foreclosure. On one specific instance they made me pay all of the extra fees to get it out of foreclosure even though it was never sent to the attorney for foreclosure. 

During the late pays they would call non-stop, almost hourly from early morning hours to late at night. 

I also had an insurance claim on my house for damage. I had deposited the money to my account so I can do repairs. I soon learned that NFCU forced XXXX to send the money to them to hold the money. When I called NFCU they stated they are going to hold the money to make sure I got the repairs taken care of. The amount of hoops I had to jump threw in order to get money for repairs to my house. I did n't know they can force another financial institution to withdraw money from a members account and hand over to them. 

There are many many more issues with NFCU, this is just the highlights over the last few years. I have filed complaints with XXXX, NCUA, etc. 

Recently NFCU refused to provide XXXX a copy of the 30 day payoffs because my signature did n't match what they had on file ( I guess from 20+ years ago ). I tried to fill the link out on line and ironically the link did n't work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with Paramount GR Holdings, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a re-finance loan with this company. After several months of constant run around ( sinceXX/XX/XXXX, 2017 ) the company told me last week the loan was conditionally approved but advised it would not be funded until repairs from Hurricane Irma were completed. ( I have a pending insurance claim, however the appraisal of my home in its current un-repaired state far exceeds the requested loan amount ). I told them I did not want to wait that long and had found another mortgage company so I no longer wanted the loan. They agreed to return my appraisal fee. Today I received a letter that they DENIED my credit application. This is not true, I WITHDREW my credit application. I have since gone on the internet and have learned this company has done this to many others before when they have complained about the way this company operates. I am concerned this fraudulent DENIAL of credit will affect my credit score and affect my ability to re-finance with another company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to emergency room early Saturday morning to get a pain killer and for XXXX in XXXX 2015 ... ... Doctor said nothing could be done until blood test results provided on Monday ... best to see my Primary Physician on Monday. 
Hospital charged my XXXX account over {$2500.00} for a XXXX visit to ER visit and I did not pay my CO-PAY ... XXXX NO medication was @ hospital. Saw my PCP on Monday and he took care of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've tried to dispute with credit reporting bureau ( Experian ) on line, there system stops me from logging in. Their online systems wants consumers to apply for {$1.00} free trial, I have an existing account and report number to log into my account. 

the following creditors do not have my account : XXXX XXXX and XXXX XXXX XXXX do not have my account, I have called both companies and they have stated they do n't have my account. these accounts need to be removed. 
XXXX XXXX XXXX that has XXXX account is using fraudulent open dates to keep my account/debt open. I have never opened an account after XXXX. Last date shown being opened is XXXX, I have not reopened or opened an account with XXXX. after 7 years this account should have been removed. In XXXX this account for XXXX should have been removed. Due to XXXX fraudulent tactics this " BAD '' DEBT has appeared on my credit report for over 4 years which resulted in me not obtaining credit, credit cards, automobile loans, housing, employment, and high interest on perscpective loans.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to maintain basic security practices, resulting in the loss of private data to unknown souces. Equifax has failed to demonstrate transparency and has deceived the public about it 's knowledge of the data breach, as indicated by Equifax executives selling stock moments before releasing information about the data breach. Finally, Equifax has failed to properly resolve issues that stem from the loss of data that will lead to an increase in identity fraud, by not providing an option to make whole the individuals whose data was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE BEEN ATTEMPTING TO REQUEST A MODIFICATION on my mortgage with Nationstar for over a year now, The Lender blatantly failed to comply with HAMP rule Book notwithstanding of its participation and therefore obligation to do so. in a period of over a year, the failed to assign a SPC or Customer relationship manager to the account even after an appeal was submitted. in the contrary they purposely assigned a Legal Code into their system that prevented me or anybody in my behalf to speak with the bank. i was cheated by their attorneys at court whom cohered me to sign a consent judgment so no further litigation was active on the account, this being back on XXXX 2015, this will grant them a sale date in court 90 days after that. well to my demise and surprise they continuously refused to remove code or to allow me to speak to anyone in regards to my modificatiion, even worse denied my attorney to even sepak wtih them direclty in thse regards, therefore we could n't know whether addiitonal documents were nedeed or not until 2 weeks prior to the set sale date they decided tosend correspodnece denying the modificaiotn leaving me with 3 days literally to dispute their decision, i was able to do so at no avails i still was n't able to speak to anyone regarding my modification or dispute. they have failed to evaluate my request accordingly miscalculating income as per the rule book and taking out of the equations XXXX or deferment that could have resulted in a workout. it is obvious there is something else here as the property location is heavily coveted and the Lender might have special intentions therefore to create this issue for me. i addition there are 2 + years of unpaid principal balance which were discharged by the Chapter XXXX bankruptcy i am part of now, which they ; disregarding Bankruptcy court order, refuse to remove from the balance due, with the obvious attempt to disqualify me from any work out, any and all efforts have been done to reason with this bank with no positive results. the Court has granted an additional extension to sale due to proof remitted to judge of the above stated but now they have given me 3 days to resubmit a modification request ; which i will do. in hopes this organism has the tools to overcome the red tape and make justice, sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: the following account was once held by another collector. after sending in letter to previous collector to inform them the account is not mine. Previous collector responded with a letter to delete account collection. They complied and the account was removed from the collection agencies. Now this same debt is reporting on my account under a different Collection Agency and that the CBs deleted. New collection agency has not contacted me not letter no phone calls nothing! I was checking my credit report due to XXXX hack and came across this on my report. I have had to deal with XXXX and no help, they wo n't even look into the matter that, they continue to accuse me and I 'm letting them know they either misidentified someone or enter wrong information, however this is not me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In the collectors first communication they did not include the statement of the right to dispute the debt within 30 days. The collector reported the debt as valid to the credit bureau before the expiration of 30 days. They continued to report the debt as valid and undisputed to the credit bureau after I disputed the debt and requested validation of the thereof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX  was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Went to the consumer website ..XXXX and requested a report from experian. They denied an online report request without explanation and for no reason. The web site said that they needed a request in writing .I did so and they sent the report. There was no way possible to discuss this issue with them either online or via the telephone, since the options available to me, precluded me from making this inquiry. Since they do not have selections appropriate to answer my specific question. There was no telephone number that I could talk to someone in person regarding this question.Why have an online service when one has to make the request in writing. Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citibank on XXXX/XXXX/16. I used an offer that had been extended by Citibank for XXXX Thank You points after meeting the criteria of performing a bill pay 2 seperate months within 60 days of opening the account. I met these conditions and confirmed with a Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I had met all the requirements to receive the promotion. After waiting several months, I was told by a different Citigold representative ( XXXX ) via chat on XXXX/XXXX/16 that I would not be getting the bonus and that an " investigation '' would occur to see what the problem was. On XXXX/XXXX/16 after the investigation was denied, I was told by another representative ( XXXX ) that I was declined because I could not produce any original paperwork of the offer that Citi already confirmed I was eligible for on XXXX/XXXX/16.

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