milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Debt collection (Credit card debt) with National Judgment Recovery Center, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This account was a Judgment filed against me 10 years ago. I received a notice of a Levy from our bank account. We are retired and sick and they took the money from us. The money on that bank account was from our retirement check. The judgment was under my name not my wife 's. I have tried calling on several occasions the attorney XXXX XXXX XXXX STATE BAR # XXXX who was handling the case they never called me back or picked up the phone. I called again National Judgment recovery and they told me that they change lawyers they gave me another name XXXX XXXX STATE BAR # XXXX and to this date he has not responded. I really need help to resolve this matter. No one seems to care about our situation and this lawyer is taking advantage of this case that it is already expired. CAUSE # XXXX, XXXX I just received a letter from this attorney XXXX XXXX XXXX XXXX, 2017 saying they wont respond with a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Due to lengthy divorce proceedings and extended unemployment a foreclosure occurred on the marital residence. Specifically, the foreclosure occurred because my ex-spouse refused to sign a deed-in-lieu, or cooperate in the short-sale process. The property was sold at or near the loan amount. Any short fall was guaranteed by VA and the lender suffered no loss. The date of the foreclosure was XXXX/XXXX/2015. 
However, I understand the reporting of this item and I 'm providing this for background information to the following : There was a second mortgage in the form of a home equity line of credit. The mortgage holder was First Tennessee Bank. The maximum amount of this loan was {$25000.00}. 
The amount at time of foreclosure was {$8800.00}. Thirty days after the foreclosure, XXXX 2015 the entire of {$8800.00} was charged-off by First Tennessee and states on my credit report " charge off due to loss ''. At the time of the charge off, and at least sixty days prior to, this account was current with no delinquency and in good standing. As the payments were on auto pay I was n't informed of the charge off until I called First Tennessee in XXXX 2015 asking why I was no longer receiving statements. At that time I was asked to participate in a repayment plan which I have followed as agreed since XXXX 2015. 
Recently I attempted to obtain housing by leasing an apartment. The application was denied based on the level of charge offs. There are several points where I have been affected negatively by false information or actions of First Tennessee : 1. There was no financial loss by First Tennessee and the charge off was discretionary by First Tennessee based on the loss of collateral. 
2. First Tennessee never attempted to convert this loan to another instrument or provide any options before taking adverse action against me. 
3. First Tennessee continues to report this account to credit reporting agencies as a charge off each and every month and refused to explain the correct nature of their initial actions.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Revenue Recovery Corporation (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted the original creditor and they can not locate a past due balance on my account. The date of service for this bill is XXXX/XXXX/2010, even if it was owed it is past the statute of limitations and in violation of The Fair Debt Collection Practices Act. Oregon 's statute of limitations is six years. I contacted the company after speaking to an attorney all morning and they state that " They can not remove this from 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 04-09-2017 about Debt collection (Medical) with HEAD MERCANTILE CO., INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When talking to them they can not provide information about account about services rendered for break down or dates so that I can cross check it against my XXXX eob form for payment because several times in the past it has already been paid but it takes time. They do not care and demand payment with out discloresure because they do n't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: TransUnion had a glitch in the computer system causing all hard inquiries to be deleted off my credit report. TransUnion later added them back onto my credit report without giving me the legally required written 5 days notice prior to them re-adding the hard inquiries. I contacted TransUnion in good faith and asked to please have the accounts removed since they were illegally re-added. The Transunion rep then told me that I could not have them removed because I was not affected, even though my credit report says otherwise. The inquiries are a burden and hardship, My credit score is being affected causing issues with trying to take out a mortgage. My rights were violated by TransUnion. Can you please help TransUnion stop victimizing me? I 'm hoping that I am able to come to a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 10/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Deposits and withdrawals

Complaint: I would like to report Wells Fargo for several unfair business practices and total lack of customer support. On XXXX XXXX, a person whom I shared an account with setup a checking account without my knowledge and then linked that account to my personal checking account without my approval. This person then transferred all of my personal money and left me completely broke. I notified Wells Fargo of this because it 's no different than someone I do n't know finding out my checking out information and doing the same thing. I reported this to Wells Fargo as soon as it occurred and Wells Fargo refused to accept this as fraud and allowed this person to get away with stealing. Wells Fargo advised me that I can close this account and still receive the direct deposits I was anticipating. However, the direct deposits did not post or transfer to my new account as Wells Fargo ensured me they would. This has resulted in me losing a crucial severance check from my previous employer. No one at Wells Fargo showed customer service or sympathy to my situation and I want to elevate my concerns.

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 08/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Account opening, closing, or management

Complaint: While I was on the phone with a representative of Bank of America, I was attempting to link my credit card to my DDA/Savings online banking profile. The representative, XXXX, requested my social security number, and it was provided. XXXX stated that my social security number only displayed the credit card account. By deductive reasoning, this obviously indicates that my social security number is not contained in Bank of America 's records for my DDA/Savings accounts, which they are required to collect at account opening. They should have this information on file, but have stated that they do not. 

In a separate but additional complaint, I was assessed a {$10.00} overdraft protection transfer fee on XXXX/XXXX/15 but my account did not and would not have had a negative balance had the overdraft protection not been applied. As shown in the provided supporting documentation, with the exclusion of the {$11.00} overdraft protection transfer, my account balances at any point on XXXX/XXXX/15 would have been a positive balance. In addition, making a {$11.00} transfer to cover an overdraft and on the same day assessing a {$10.00} fee, netting " protection '' of just {$1.00} seems quite predatory on consumers, especially considering in this case my account would not have even been overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a private loan originally taken out with XXXX XXXX. Navient is now servicing the loan. My original loan amount was {$25000.00}. It has since doubled. I was in default and they offered me a loan payoff of 85 % at the time. I did not have that amount of money at one time. Keep in mind they offered me this when I was in default. I worked out a payment plan with them to catch up on my payments and bring me out of default. This was a 1 year plan when the plan expired. I called back again to keep the plan or work out another payment options which they did. I asked if the one time payoff was still available. They said no because I was current and not in default. I said so your saying if I am in default you offer the one time payment discount but if I am current you do not. They said that is correct. I called again today and asked if they would offer a one time payoff discount and they said no because I am current and not in default. I reiterated again. So you will not work with me for a one time pay off because I am current on my loan. They said that is correct. Have a good day bye bye. I understand I owe the amount I borrowed. I just want someone to work with me to offer me the one time payoff discount that was originally offered. By the way is still {$15000.00} more than what I borrowed for a total of approx. {$37000.00}. Which is what the guy offered and agreed to today before he abruptly changed his mind when he saw I was current on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Previously XXXX XXXX in XXXX, Tenn are using deceptive practices against customers they cant collect on and pulls their credit report for their revenge. Recently I had a fraud alert placed on my account XX/XX/XXXX and updated my NEW address in the state of GEORIGA where Ive resided since XX/XX/XXXX. Security Finance on XX/XX/XXXX pulled my credit report using my old information on file and phone number and obviously did not know I had an alert on my credit report. I did not authorize this inquiry and I would like for them to be audited to see if others may have been affected by this issue. After making this statement I will be calling the credit bureaus to dispute and have removed off my credit report. I did not authorize Security Finance in XXXX XXXX to pull my credit on XX/XX/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 09/18/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was put into forbearance without proper notification, which is now costing me over {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: XX/XX/2017 I was informed that my HELOC interest rate would be changing monthly. This is not the correct term of the loan. my rate is tied to prime is to to change annually in XX/XX/XXXX. I have called several times and they tell me that the research they did does not show that it is tied to the prime annually. It is very clear on the recorded mortgage that it is tied to prime annually. Also, the max rate is not 18 %. That needs to be looked into also. 

In XXXX I spoke to someone again and they said yes the loan has been set up in the system wrong and it is only supposed to change annually not monthly. We also talked about the affect the hurricane had on me making the payments. She was going to see if they could move the payments to the end of the loan and check on getting the loan terms corrected in the system. I never received a phone call or any documentation in the mail stating that the research had been done, rate change was fixed and a credit given for any overages, and no solution about the hardship during hurricane irma ( 2017 ). 

I continue to get past due letters. I am on a fixed income and am approaching XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Federal student loan) with CL HOLDINGS LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. 

Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. 

I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. 

Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. 

As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. 

I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. 

I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Credit decision / Underwriting

Complaint: Received pre approval on XX/XX/XXXX. Started full application on XX/XX/XXXX. I was charged {$470.00} for an appraisal on XX/XX/XXXX. As of this evening XX/XX/XXXX the appraisal has not been completed. Citizens bank is claiming that this is due to Dodd Frank and CFPB regulations. I believe this is very misleading and they are trying to blame government regulations on problems with their processes. At this point in the process because of the delays, I do not have the luxury of trying to find another financial institution. I find this unfair and deceptive with the tactics they are using. When I applied, This would have given them almost 80 days for the closing. As of tonight, with no appraisal completed, we now are at 33 days remaining. Again, they have already charged me, but blaming you for the delays. This loan needs to close by XX/XX/XXXX or I suffer severe financial consequences due to their negligence. This is by no means credit or income related. Both my wife and I have XXXX Fico scores, over 15 years each on the job, debt and income ratios all well within guidelines. In other words, we are the ones with perfect credit and income for a mortgage loan. We also are putting down about 35 % of the purchase price.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2016 about Credit card () with U.S. BANCORP ().
Issue: Closing/Cancelling account

Complaint: This is regarding my experience with Elan financial services. I had moved to XXXX, XXXX and became working resident here since XXXX 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in XXXX Colorado. Another thing worth mentioning is that the mail system in XXXX is extremely corrupt and I received about XXXX % of my mail sent from the U.S. The supervisor told me that the only way I could see my financial statements was if they sent them to me, or if they sent me my current card in XXXX. If they send me my CC to XXXX both my personal information and CC is in high risk of being stolen. All I want to do is pay off the balance, but I wanted to review my automatic payments over the last three years to ensure that my payments were properly allocated to both prinicpal and interest per my terms and conditions. However, they will only provide this with current CC information and they will only send this by mail, which will open me to both CC fraud and identity fraud. They will let me pay off the balance but they have denied me the right to review my statements and balance that I have been paying on for the last three years.

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 12/16/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Credit determination

Complaint: Defamation of Character, False Credit Reporting - I have been trying to resolve this with the Chase customer service team with no luck and very poor/rude customer service from one particular representative XXXX XXXX. He was not helpful in anyway and one of the most rude representatives I have ever interacted with in my life, why he is working for Chase is beyond me. If he worked for my company he would be fired. Every other representative was helpful and understanding. I have had a great experience with Chase until now and had XXXX credit cards with you for which I was forced to close all of them yesterday because they would not resolve removing a 30 day late off my credit reports that is reported incorrectly on my credit bureaus. I opened a XXXX credit card, made one purchase and never received any physical statements. They agreed at the time with the mistake and credited the account late fee. They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this could be considered defamation of character since I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts and because of their behavior I closed all my accounts with Chase. They are very difficult but this is just wrong. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so corrupt and open to ruin peoples credit? This pertains to account number ending in XXXX. Thank youI am reporting this to every agency I can to take action. Many have been notified in the last day XXXX, FTC, Consumer Finance.gov, Fair Credit Reporting Act, etc. This needs to be removed from my credit ... ... ... 



I will contact all of executive management of Chase with regard to this. 



XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: denied credit card because of bankruptcy that occurred over 20 years ago.

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 09/24/2016 about Debt collection (I do not know) with BANK OF THE WEST (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not owe Bank of The West any money and I did not settle any debts for less than the amount 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