milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a collection account with Transunion, the account is from XXXX, XXXX, XXXX XXXX XXXX XXXX. Transunion verified the information, but has failed to respond to my request for their method of verification as the information is not correct. In addition, the account is being reported as open with a balance, but the attached screenshot shows it was closed in XXXX 2013. In addition, it states the original creditor is " XXXX XXXX XXXX XXXX '', but I contacted them and they said I do n't have a balance with them. I do n't see how they could have verified this information was correct.

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 09/15/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was sold to Bayview Loan Servicing in XX/XX/XXXX. I was not notified by XXXX XXXX XXXX. My mortgage payments were coming back. Finally in XXXX I found out about Bayview. I was having trouble making my payments after XX/XX/XXXX. They offered a home loan mod. They told me not to make payments. After six months I was sent an approval package with instructions to pay the XXXX month to fund the new modification. But it had no disclosures in it. i.e. interest rate, balloon payment etc. They said I had to pay the first month by a certain date. and after that I would receive all the detail of the loan. I had the package reviewed. It was described as " Predatory Lending Practices ''. I was advised not to sign it. 
- I contacted Bayview and requested a " Deed in Lieu of '' - We started the process in XX/XX/XXXX. 
- I have not lived in the house for quite some time but have had to keep the house up and pay large electric bills for the pool as part of our agreement for me to get a Deed in Lieu. Still they did nothing- In XX/XX/XXXX, they said they were in negotiations with the XXXX lien hold for a settlement- They never return phone calls or emails. Once they said they had an agreement with the XXXX lien holder and then they didn't- Today, XX/XX/XXXX I find out from the XXXX lien holder that they never contacted them and if they had it would only take them 2-3 days to approve it- Something is n't right here. A hidden agenda. They wo n't do what they promised even though I have fulfilled my obligation, contacted the XXXX lien holder myself to get them the information they needed, yet they still are doing nothing. 
- I had to get them to hire a company to look after the house as I can not afford to take care of it anymore. They did, they broke into the house leaving damage and frightening the neighborhood. Police were called. They never even informed me they were doing this. I would have just met them at the house and opened the door for XXXX sake. 
- From the beginning with Bayview it has been predatory lending, lack of transparency or disclosure and a total disregard for others. I understand the latter means nothing to the banking industry anymore but certainly the aforementioned disregard for the law should bring someone some attention. 

All that I am asking is to receive my " Deed in Lieu of '' and the reimbursement they promised me for my expenses. I need this matter concluded with my name off of the house so that I can move forward. I am supposed to move for work but can not due to this issue still looming. I am in threat of losing my job because I wo n't relocate until this is resolved. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Application, originator, mortgage broker

Complaint: This process started with a letter ( XXXX XXXX, 2015 ) from Citi suggesting that we could save money by refinancing our existing Citi loan that we have had for greater than ten years. We owe approximately {$37000.00} on the property which was recently appraised by Citi to be worth approximately {$73000.00}. We proceeded with providing information to show our credit worthiness. We answered all questions and followed the completeness of the loan application components on the secure Citi site which we were able to access. We paid for an appraisal ( {$560.00} ) which was completed on XXXX XXXX, 2015. We submitted income tax information, bank statements, credit scores, verification of current income, and over a XXXX-page volume of our Family Estate Plan and Family Trust. We received communications from Citi ( XXXX/XXXX/2015 ) telling us that our loan has been conditionally approved pending receipt of certain documents which we provided. We received confirmation that our Flood Insurance Policy was completed on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, we were informed that our loan request was not approved. When we called the loan officer to ask for an explanation, we were informed that our property was not on their " approved list '' and that it has unverified sufficient flood insurance coverage. Citi owns the loan that currently finances this property, however, and that loan itself has not been challenged. We believe that Citi has a " scam '' going that invites current clients to refinance with no intention of approving a lowered interest rate for their loans. The sole purpose of this process appears to be collecting an appraisal fee. This " scam '' could be XXXX and may involve more than XXXX lending institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I was not allowed to link my account to an online exchange. The reason I was given was that the online business was not FDIC insured. I believe it should be my choice to link my account with whoever I wish because it is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I enrolled into University XXXX XX/XX/XXXX. When I enrolled, I was told that I would not be using my loan, until I got into my higher classes. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I got into a major car accident XX/XX/XXXX, so I had to drop from my classes due to many XXXX and doctors ' appointments. When I called my advisor, to drop my classes they told me that there was a balance left on my account in the amount of XXXX, they said that it would be sent back to the lender. Which at that time was XXXX. So, I waited, and kept checking my federal student aid report, hoping to see that they received it back. When I talked to University XXXX they said that it might take a little while to get back to XXXX, because they had just sold the company to Navient. I kept waiting. I eventually got tired of waiting and calling with no answers. So, I called University XXXX again. The first time I talked to University XXXX about the loan not credited to my account, was on Tuesday, XX/XX/XXXX at XXXX am. They said to keep waiting and that they did send it back to Navient on XXXX, XXXX, XXXX, they said to wait a little bit longer. I never saw it get credited to my account. I called University XXXX back again, on Monday, XX/XX/XXXX at XXXX. They said they would sent me a copy of the funds return letter to show Navient that they sent it back to them on XXXX, XXXX, XXXX. They sent it to me. When I got the funds return letter, I called Navient on Tuesday, XX/XX/XXXX at XXXX. I talked to a lady named XXXX. I explained the situation to her, she put me on hold to look at my account because she was having trouble with my account, it kept giving her an error message. When she got back on the phone she gave me no information about the loan being returned. She just tried to get around it. It is now XX/XX/XXXX and I still have no answers on where the money is. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit is trying to claim a debt was opened in XX/XX/XXXX when in fact the service with XXXX was discontinued in XX/XX/XXXX due to the fact that the area I lived in had no service at all. I switched to XXXX with only 2 months left on a 2 yr contract. They are claiming the debt was opened in XX/XX/XXXX but this is totally false, this to avoid the fact that they are well past the statute of limitations for the state of Florida and they know it. This debt was over 3 yrs old when they first filed it in XX/XX/XXXX and if anything the amount owed would have been 2 months not the price of the full 2 yr contract. In XX/XX/XXXX all debts were cleared while applying for a mortgage. I demand documentation from XXXX as proof that we had any open accounts with them after XX/XX/XXXX, I have not spoken to or verified any debts with them in order for them to start the clock running again. They buy old debts and then add hundreds of dollars to the original amount and keep updating it as a new debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: MY WIFE TRIED TO DEPOSIT A CHECK INTO AN ACCOUNT AND WAS TOLD THE ACCOUNT WAS CLOSED. WITHOUT NOTICE

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Direct Lending, LLC (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2018 between XXXX my wife received a cold call from a company by the name of First Direct Lending out of XXXX CA. The agent that reached out went by the name of XXXX XXXX NMLS # XXXX. This past summer we where looking into a refinancing on our home loan but never moved forward because the timming was not right. Fast forwarded to yesterday XX/XX/2018 when XXXX contacted my wife, which i believe to be a cold call from information we provided online months ago. He starting selling her on the idea of refinancing our home, being very pushy at that. She stated to him that she really needs to speek to me about it because she let 's me handel such matters. I was at work at the time when my phone alearted me that I had a hard credit inquiry. I called and spook to my wife who said that that XXXX   wanted to do a soft inquiry on my credit and it would not hurt anything. Now with that said he never did his do diligence by stopping the conversion with my wife and contacting me for my concent to pull my credit. Side note shame on my wife for giving out my personal information such as my SSN, income and date of birth to a stranger. With that said it was XXXX 's responsiblity to contact me for consent to pull my credit. He moved forward with pulling my credit without my knowledge. His actions are a pure violation of the FCRA. On top of that he emailed my wife sensitive information on my credit report that she was not privy to. Which i believe violated the privacy act. Any help on this matter would be greatly appreciated. Thank you, XXXX XXXX ( XXXX ) 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 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Account opening, closing, or management

Complaint: I responded to an offer that I received from Citibank to open one of their Citigold checking accounts. In exchange for opening the account and meeting several other criteria, I would be awarded XXXX miles to my XXXX XXXX AAdvantage account. I opened the account all the way back in XXXX XXXX and met the requirements in XXXX XXXX. However, I still have not been award the miles that Citi promised and after calling numerous times, I have been lied to repeatedly by Citi with more promises to follow up with a resolution to this issue. Needless to say, the follow up phone calls NEVER come.

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 03-07-2017 about Mortgage (FHA mortgage) with NETWORK CAPITAL FUNDING CORP (FL).
Issue: Application, originator, mortgage broker

Complaint: I was trying to refinancing an FHA loan, my actual loan amount is {$220000.00}, the lender Network Capital funding corporation want to do a conventional and they changed many times the numbers, last Loan estimate was that my loan amount will be {$230000.00} included the closing cost and the escrow. They ordered an appraisal, that I paid {$470.00}, and came out {$370000.00}. The lender sent me the closing disclosure with {$230000.00} my loan amount with a closing cost increased for almost {$4000.00}. When I asked explanation they said that I told them that my house had a value of {$380000.00} so they have to charge me XXXX points and other stuff. They did n't send me a revise Loan estimate and my house is not under value. They keep calling me saying that I will save so much money and in six month I can refinancing again with {$0.00} closing cost. They insisted that my new loan would be so convenient for me and they said that the numbers changed because the appraisal came out {$370000.00} instead of {$380000.00}, before they were giving me a lender credit than after they just increased the closing cost with {$0.00} lender credits. They called me again last week, XXXX, saying that they want to fix it, he said that he really care and he want to close the loan, after almost an hour he proposed me 25 years refi loan, I told hm to send me everything by email, and only after see the numbers I would decide it. He sent to me and the numbers changed again, I sent email asking to fix it and asking the reason for the changing, no answer to all my emails. This company is ridiculous, they give you only loans that are not convenient they tell you numbers and after they change everything, unprofessional and very dangerous, I want just my money for appraisal back. Thank you.

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 05-07-2016 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt in hand is duplicated and should 've been covered by insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: While reviewing my AMEX SERVE account, I noticed some charges that I did not make. I called customer service who put me in touch with their fraud protection division. I asked for a review of the {$160.00} charge to XXXX, a company Inever heard of, and they suggested I close the account and get a new card. The next day XX/XX/XXXX, I received an e-mail saying my dispute was declined. 1 minute later I received another e-mail saying my account had been locked and suspended for violation of the card agreement. I sent a letter asking for proof of the charge but have not yet heard back. OnXX/XX/XXXXI called to find out the status of my new card but was told only that my account was suspended for improper use. AMEX suspended my account at their suggestion since we thought the account was compromised. Yes the card was used in violation but NOT BY ME. AMEX has not provided documentation of the charge in question and decided to not send me a new card without informing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Debt collection (Medical) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 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: I have been a victim of transunion inquiry issue. I called them on XXXX/XXXX/XXXX to try and resolve this issue but customer service was no help to me. Please help in getting this issue fixed. The following inquiries need to be removed from my credit report : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX - XXXX/XXXX/XXXX XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX/XXXX - XXXX/XXXX/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 05-01-2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect exchange rate

Complaint: We refer to the case you have closed without anything is solved. Merrill / Bank of America did not address the real problem. Today I sent them an e-mail regarding this : Subject : Re : consumer financial protection case no XXXXXXXX XXXX From : XXXX XXXX To : ML Edge Self-Directed We do not agree with your letter ofXX/XX/XXXXin which you say, that you acted appropriate. How can it be that on XX/XX/XXXX XXXX XXXX from ML told us, that the wire room was researched extensively and on XX/XX/XXXXyou sent back the money. Does one not know what the other is doing in your banking system?? Maybe your work ethic needs to be researched. To go further with our claim we need as soon as possible from you : 1 ) the copy of the incoming wire of XX/XX/XXXX with all details 2 ) the copy of the outgoing wire which you sent back onXX/XX/XXXX With your e-mail of XX/XX/XXXX you told us, that the exchange rate on XX/XX/XXXX was XXXX - which was a determined false information from your side. You also said in this e-mail that you sent the money back on XX/XX/XXXX. In your letter of XX/XX/XXXX you said it wasXX/XX/XXXX. We need all the information in original about the exchange rates when you got the money in first place, when you sent it back and when you got it again.
Please send all this proofs within 1 week from today. Sincerely 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 monetary relief
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized credit inquires on my Transunion credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  ( XX/XX/XXXX ) 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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The XXXX mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX Mortgage and medical and 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