milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (SC).
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 obtained a loan from Navy Federal Credit Union in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by Navy Federal after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from Navy Federal both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting Navy Federal by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on Navy Federal the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like Navy Federal Credit Union to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IN).
Issue: Taking out the loan or lease

Complaint: Synchrony Bank refuses to increase credit limit on my Care Credit Account. They have no basis for their denial.

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 09/14/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX/XXXX/XXXX my mortgage company received my XXXX/XXXX/XXXX mortgage payment. They reversed the payment and applied to the principal because as they explained I could not be ahead due to my bankruptcy. They never notified me of their actions. I continued to pay every month. At the end of XXXX when my bankruptcy was over I get this call asking for the XXXX XXXX payment which I had just paid. As we argued the gentleman stated I had bounced my payment for XXXX/XXXX/XXXX. After investigating the matter they found they had not serviced the account correctly however they refused to correct their error. I was not ahead I was on time. I have been charged late fees which they collected from the extra amount I was sending to apply to the principal. Instead of reversing the payment that they applied incorrectly and making current, they now are offering to accept a short sale or I can sign my house to them in lieu of foreclosure. The bank in question is Select Portfolio.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, at XXXX I logged into my mobile banking app and saw {$600.00} in deposits missing from my account. <P/>I contacted customer service at about XXXX to ask if something was retracted from deposits made. The customer service rep, who would only give me a first name ( XXXX ) basically said it 's a issue that is being handled but she has no explanation, only that if I was going to be charged a fee for having negative funds they would remove it once corrected. I did n't have that issue thankfully, but wanted to know when this will be seen on my account, why I was n't contacted about it and how this occurred. The customer service rep basically challenged and argued to try and convince me all banks do this and do not tell cusomters. <P/>Very discomforting when this Wells Fargo to protect my money as my bank and they have money disappearing from my account, do n't tell me anything or have customer service reps ready to ease customers concerns about this issue and reassuring them the money will be credited to account. <P/>They basically said they do n't have enough people to do that. Not very reassuring and will be looking at other banks with better services ratings. This is similar to the issue with the credit cards being opened, transaction being on accounts and not informing clients of any issue only if we catch it and call.

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 05/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was denied credit on XXXX. I pulled an Equifax report on XXXX and found XXXX negative items, XXXX of which were supposed to have been removed last year in XX/XX/XXXX. I compared the NEW Equifax report with an Equifax report I pulled in XX/XX/XXXX. The information on these account WERE NOT THE SAME. All three negative accounts had removed the original date of negativity. Either Equifax is keeping INACCURATE CREDIT RECORDS on file or ALL XXXX Creditors changed my credit history with them. ( see attachment to copare the XXXX acccounts. ) I then called Equifax and this is pending a resolution. To my understanding, a negative account is supposed to come off your record after 7 years using the first day your account became negative. The person I spoke with at Equifax is telling me it is really the date of the last activity you have with the account. If this is the case, it is no longer 7 years to have a negative rating, but in my case. 9 years of a negative credit record. Please investigate this issue. If this happened to me, how many others out there?

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: APR or interest rate

Complaint: deceptive charge practices. See statement attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Capio Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Capio Partners LLC - trying to collect a debt but failing to provide detail of debts.
Sent a certified letter to Capio   Partners/it was re c 'd  on  X/XX/2017     XXXX  'd a letter ba  ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info.
Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Trouble during payment process

Complaint: I 've been in contact with Bank of America for over 45 days ago trying to get a second mortgage lien released which the terms have been fulfilled since XXXX XXXX. BofA should have been processed via their lien release with the county within 60 days of the terms being fulfilled according to Louisiana law. Well here we are 1.5 years later and I am trying to close on a HELOC and appears a title problem because BofA did n't do it 's job. I spoke with customer service ( about 3 rude people saying I should have followed up on this in XXXX and not knowing the proper procedure in their system to request this and about 5 nice reps ). I first asked for a Cancellation of Lien Instrument at the beginning of XXXX. A rep XXXX XXXX ( who 's name is not found later nor his extension he gave me ) faxed me Payoff Letter of Satisfaction on XXXX with all the wrong dates of the payoff and told me this would satisfy my request. Later I call back stating that my lawyer says this is NOT acceptable. The next rep stated that my servicing loan officer and their title lawyer needed to file for the request ( she was clueless ). Finally, after many long holds one of the reps knew what she was doing and created an escalated request for the the lien release with a request ID of XXXX, except escalated is still very slowly and has caused a major headache. The problem is that was a month ago and anytime I call I get a run around about the status being in progress and to call back the next week. I 've had a lien released before and it took the company less than two weeks to complete the paperwork and file with the county. Where my frustration lies is that I 've been given a request id over a month ago and most recently a direct number to an escalated team member XXXX XXXX XXXX ext XXXX who wo n't return my phone calls ( 2 voicemails ) and a rep has supposedly sent her an email to call me. When I call customer service they only say it 's in progress ; this is an unacceptable answer. I have made it very clear in several attempts to express the urgency of this matter being that it is hindering progress on my closing, but no one seems to care enough. My patience has run thin I 've called in weekly and sometimes twice a week so I 'm now I 've been led to file a compliant with CFPB as suggested by my lawyer. Bank of America has to do better with their business processes or at least have someone you can talk to who can get things done in a true escalated fashion. BofA is a large corporation with a huge staff surely they can handle such a menial task one would hope. This makes me never want to do any business with them regarding mortgages ever again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 my credit report was pulled by Target, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. Target called and I told them I did not request a Target Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX , Transunion and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report  .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 {$1100.00} appeared as a dept on my XXXX part of my credit score as being in collections. I do not owe this and never have. After research and contesting this I learned Commonwealth Financial ( who filed this ) is guilty of falsely submitting items like this many times, especially after consumer had just applied for a XXXX XXXX " fix your credit '' credit card. ( which I had just applied for ). Then they falsely put a debt on there and they offer to help fix your credit. I have contested this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank Prime Equity Line # XXXX. Loan Balance {$9700.00} On XX/XX/2017, paid it off in full. On XX/XX/2017, Later Got balance Notification of {$36.00} paid XX/XX/2017 {$36.00}. Kept getting Email and messages on Web site for non-payment. Made 2 visits in person to Bank Branch, got assurance, will be taken care in 48 hours. On XX/XX/2017 got another email.. Went ahead and paid {$100.00} ( Minimum payment due ). On XX/XX/2017, Got another E-messages " Delinquent Payment ''.

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 05/25/2016 about Debt collection (Payday loan) with OPTIMUM OUTCOMES, INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had taken out a loan in 2005 with XXXX XXXX XXXX. I paid off the debt and never heard from them again. They started calling my family members ( they must have looked up similar last names in my town ) and have repeatedly called my father, grandparents, XXXX, and XXXX trying to obtain information. I received the message from my father and contacted the company. The representative stated I owed money to them, and that I would face arrest or lawsuit, wage garnishment if I did not pay a few hundred dollars at that time. I advised the representative that I did not owe the company money, and to stop calling my house and family or else I would contact an attorney. I did not hear anything from them again for 6 months. I assumed that I had made myself completely clear. My father contacted me this evening and advised me that he and my family all received calls again in the past week. This time, they say they are from optimum outcomes inc. The representative that I spoke with asked for the last XXXX of my social security number so she could connect me to the collector. I refused, but said that she could forward me to the collector at which time she said no. Not until I gave her my info. I told her at that time, I would have my attorney contact them, as I did not have to supply my personal information without her identifying who they were and where they were from. She had been able to access my information originally simply from my phone number, she knew who I was, she did not require my information, but I wanted to know who I was speaking with. She then began to talk over me with a raised voice, would not let me finish my statement, and then she hung up on me. Within 5 minutes, I received a phone call from a different number, and an automated voice mail stated it was a debt collector and advised that their name was optimum outcomes inc. 
I am unsure if these are XXXX separate scams that are being run, however I find it interesting that they both contacted the same relatives. 
I want these people to stop calling me. If they feel that they have a legitimate issue, I would like the information mailed to me in writing so that I may verify its validity. I do not want them calling my phone, my work phone ( have n't called but I want to specify, and of my family members. No one. They harass us, they call over and over and do not leave messages. They call at 8XXXX and on Sunday 's. No more. Please tell them to cease contact and mail me the specifics. 
I am more than willing to review information, if any, but I will not release monies to them on demand or tolerate threats of any type. I want physical documentation. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: To whom it may concern, For the last month, I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty, inaccurate/incomplete information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact. Apart from that, my new credit report has addition incomplete/inaccurate information. Either the creditors can not verify the address they have on their file for these accounts or this company blatantly violated FCRA. Clearly, on my credit report, they are showing " address identification number : NOT AVAILABLE ''. They are showing " Not Reported and No Data '' as well. These are just some of the proof that this company violated FCRA blatantly! Attached is a copy of the first letter I sent them and a copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: SEVERAL DISPUTES SENT BUT NO RESOLVE

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: On or about XX/XX/XXXX I submitted a form by certified mail to TransUnion attempting to initiate a credit freeze on my TransUnion credit report. Enclosed with the filled out form was a photocopy of my current Kansas drivers license and a check for {$5.00} ( ck # XXXX ) drawn on my personal XXXX XXXX account. I subsequently received a letter from TransUnion, dated XX/XX/XXXX- file # XXXX, stating my request was denied because only one form of proof was provided, and that if I called them at XXXX I could complete a verbal authentication process and my records would be updated to show my current mailing address. Following this advice I called the number. The CSR did n't authenticate my identification but told me that he could accomplish the credit freeze right then and there if I provided him with a credit card number so he could process a charge for {$5.00} to cover the cost of the freeze. I explained that I had already paid his company the {$5.00}, but he insisted that if I wanted the freeze I would need to provide a card number, which I then did.
Upon receiving my credit card and bank statements this past week I noticed that TransUnion had in fact charged my credit card {$5.00} as well as cashed my {$5.00} check. I called the company and explained this and asked for them to issue a {$5.00} refund. After an extended time on hold, while the CSR conferred with someone else, I was advised that in order for them to issue a refund I would have to provide them with my bank statement showing that my account had been debited. At that point I attempted to impress upon the CSR that I had no intention of providing TransUnion, a company that collects and sells personal private information about American citizen on the open market, with my bank statement, and that if they wanted to verify that they had cashed my check they could examine their own bank statement or related accounting data. This argument did n't seem to phase her and that is where we concluded our conversation.

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 01-05-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. 

A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. 

Request : Rectify and delete late payment

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