milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch. They responded with XXXX letters confirming that they will contact all credit agencies that they reported the wrong information. XXXX of the credit agencies have been reported with the removal of the wrong information. They still have not contacted XXXX since the letter was dated XX/XX/XXXX. I have contacted both the bank and XXXX and no further outcome is being investigated. I have both letters from Pacific Union Financial and proof of multiple certified mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Cash advance fee

Complaint: I used my First Bankcard credit card to purchase {$50.00} commissary voucher to a prison inmate. My credit card has charged my account {$15.00} as a cash advance transaction. I requested to the customer representative XXXX, then to the supervisor XXXX that the {$15.00} fee be waived because I did not consider the transaction to be a " cash advance ''. My request for the fee " one-time '' to be waived was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: i have a credit card for carecredit which is owned by Synchrony bank. In XXXX 2017 i received a letter from JcPenny ( owned by synchrony bank ) to say I applied for a store card. Which I did not. I called Jcpenny  Immediately and they assured me they would report this as fraudulent. I spoke with XXXX on XXXX/2017. I obtained a report from XXXX to notice that a number of searches were applied for or credit card/store card attempts to open in my name with the same bank! listed on my report using XXXX credit services were, Walmart, Lowes, XXXX, JCPenny I called Synchrony bank again they advised me that the fraudulent searches would be deleted from all 3 of my credit files. I also filed a police report for fraud on XXXX XXXX with XXXX XXXX sheriffs department with DS XXXX XXXX. I reviewed a copy of my recent credit file yesterday to discover that Synchrony bank nearly 3 months after this event happened have still not removed the fraudulent searches on my account. I have reason also to believe that they have been a victim of a data breach as all fraudulent credit cards and searches applied for in my name, walmart, lowes, etc are owned by Syncrony bank.

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 08/15/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: citibank funded a defective product that was disputed through Best Buy and Citibank It was then turned around and sold to a company called midland funding. This matter pertains to violation of fdcpa and abusive debt collection. I ask that the cfpb look into this matter immediately

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had numerous conversations with CITI regarding my account # XXXX XXXX XXXX XXXX - Which was an old XXXX account that was converted into CITI through Costco. <P/>They charged me an unexpected fee, failed to disclose it, and then marked me 60 days delinquent for XXXX 2017. I am in the middle of a mortgage transaction and this is now causing serious problems and I am in jeopardy of losing thousands of dollars. I have talked to CITI and they have agreed to remove the derogatory reporting, yet as of XX/XX/2017 they updated the credit bureaus and re-confirmed the 60 day late. Now my reports are updated with a late payment still on their. It is a nightmare to navigate the CITI phone system, and every customer service rep I speak to is unable to understand my problem, or offer a solution. I urge, and plead for your assistance in resolving this matter ASAP. I am on a deadline of XX/XX/XXXX and need written confirmation before then that this late payment has been deleted from my credit history once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter that fraudulant activity occurred on my Capital One account that I put in my husband 's name ( as a XXXX card under my social security number ). Capital One is refusing to speak with me and close both of cards as they say I am not a account holder on the card ending in XXXX. However, this is not true. I got this extra card for him. The bill comes addressed to me with both my card and my XXXX card charges on it for payment. 

The fact that they are refusing to let me speak to someone that can help me and resolve this an unfair and deceptive business practice. A " XXXX '' with badge # XXXX refused to help me. He would not explain the fraudulent charges, not close the account. 

As I said already. I opened the extra card under my social security number as a XXXX card. Capital One sends me the bill and am expected to pay it, yet they are refusing to discuss the fraudulent activity with me nor close the account. Any fradulent activity with negatively effect my credit rating and credit.

Company response to consumer: Closed
Consumer complaint received 03/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: APR or interest rate

Complaint: I applied and was approved for a Bank of America XXXX credit card in XXXX XXXX. The terms and conditions I received from BOA with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly. 

I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX. 

I immediately called Bank of America and was told by the representative that BOA only sent me the short form of their terms and conditions, but the long form ( viewable by BOA employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that BOA intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 

Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Bank of America never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX. 

The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 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: Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: I am in the process of applying for a mortgage and a comment on my Citi Credit card states, " SUBSCRIBER REPORTS DISPUTE RESOLVED - CONSUMER DISAGREES ; CONSUMER DISPUTES AFTER RESOLUTION ''. After speaking with Citi, they have no disputes on record nor do they have any idea what this is in reference to. Since I am applying for an FHA, this is holding up my approval process. I have submitted this request to Citi via fax as well, and they stated it will take 30 days to look into this. Since I already put the offer in on my home, which was accepted, I do not have 30 days for resolution.

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 11/25/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: Walmart/Synchrony Bank on XX/XX/2015Did not follow the XXXX, SCRA when asked for it and submitted military documents supporting the benefits. When I spoke to the representative about the issue he said " We have the documents but that since I was a XXXX that I knew at one point I would get called up and that made me ineligible to receive the SCRA. '' XXXX. Since those benefits were n't given I was unable to make proper payments and even give the minimum. I worked out payments as much as I could at the time for time. Since the interest rate was so high I was just unable to make the payments. Soldiers regardless of status, going from XXXX to XXXX when being called to do so is not a fault of the soldier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: Complaint against XXXX XXXX and Bank of America : My bank today took money off my credit card after placing it back when they received original complaint from against XXXX. 
Per the Bank it found no reason to take money from XXXX. Most important I was told I missed the XXXX closing date. No one said there was XXXX! Per Bank their investigator saw in XXXX materials that a refund can be given on the sleeping car portion that I asked for BUT XXXX said " I elected to take a voucher '' No I did not. If I had not been calling the Bank how would I have know of this? Bank sent me copy of XXXX first response XXXX page of its XXXX pages sent. I have no idea what there full response was therefore I could not respond to it. Bank said that 's it. Bank has my mortgage, credit card. I guess I have to continue the fight and think about separating from the Bank. When I asked for XXXX number I was given the computer ticket lady. What can your Agency do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Those charges were related to move-out expenses from the condominium I used to live. When I moved out, condo management said that the invoice was not ready yet ( there were painting expenses they could not precise, for example ), so they would mail me the invoice later, with any additional charges they might had in addition to my existent deposit with the condo. I never received any invoice, phone call, or email. In XX/XX/XXXX I was very surprised to be contacted by a Collection company, charging me for a debt I did not know it exist. The agent was very rude and ironic, and mentioned the name of the condo " The XXXX ''. I immediately contacted the condo via phone and they requested me to go to their office to settle the issue, which I did. The office manager checked my file and confirmed that indeed I never received such Notice of charges because they mailed my invoice to a wrong address. She even showed me the letter itself, returned by the post-office, so they knew I have never received it. They also never contacted me via phone or email, both information that they had in file. I lived in that condo for over 2 years and never had a late payment. That was in XX/XX/XXXX ( please see the attached receipt of payment ), and the office manager, XXXX, apologized for the inconvenience and assured me that the collection company would not bother me again. Not only the collection company bothered me again, several times, via phone ( the same rude and sarcastic agent ), but the firm also placed me as a Collection account, in XXXX. So the Collection company actually reported a mistake from the office, for a Notice that I never received ( please see the attached Notice, containing a wrong address ), which was returned by the post office, and then the company reported me a month after I made the payment directly to the condo. 
I 've had to dispute the information with the 3 Bureaus to have it removed. That was in XXXX. 
Now, XXXX years later, the Collection Agency reported me again!! This time they reported an account in collection, paid. That is in incorrect, since it was proven XXXX years ago that I never received such notice. 
I want this information removed from the Credit Bureaus immediately. This is disrespectful, it 's a waste of my time, and could have been a disaster for me since I had the closing of my Home 3 months ago. My FICO score dropped 22 points. They had no respect, they treated me with sarcasm, and they just assumed that I was a bad payer and made jokes. And now again, XXXX years later, they report this? I really wish there was a way that CFPB could punish this type of reckless behavior and lack of respect.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (VA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues. 

Then this past week, on XXXX/XXXX/15, I logged into the payment portal, and made my monthly payment, as I have every month, XXXX single payment a month. However, on XXXX/XXXX/15 at approx. XXXX, I noticed that the payment I submitted had processed through, but an additional payment was taken out of my bank account for the same amount, on XXXX/XXXX/15. I immediately called Duvera Financial, and was placed on hold for XXXX minutes before being told by a " XXXX '', that I made XXXX payments. 

When I stated that I only made the XXXX payment on XXXX/XXXX/15, she instantly started saying that I did no such thing and placed a XXXX payment. After pointing out that I only make XXXX payment a month several times, she proceeded to state that I had set up an Auto-pay on the account ( which I did no such thing, as every payment made has required me logging in and scheduling the payment up until this point ). She then said that she would put in a request to cancel the payment, and that I should see the payment reversed in 3-4 business days. 

I just contacted my bank ( XXXX XXXX ) to be told that they do not see any pending transfers on the account in question, and that they do not see anything from Duvera. So I contacted Duvera yet again at XXXX on XXXX/XXXX/15. After another XXXX minutes of being on hold, I finally got someone who would not give her name when asked. When asked about the status of the refund for the pending amount, she told me that " You called us on XXXX/XXXX/15, it 's only been XXXX days. It takes time to reverse the payment. We do n't know when it 's going to be credited back ''. I asked for a supervisor, was placed on hold, then a guy answered the phone and said that it will be another XXXX business days for the refund on the payment. 

As of now, I 'm accruing NSF fees through my bank becuase of the XXXX payment that they took out, because my bank processed the payments that were due to be taken out at the same time as the XXXX payment was processed. Now as it sits today, I 'm owing my bank {$140.00} from bills that were processed out and NSF fees that have been accrued by Duvera taking a XXXX payment without my authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: had requested Transunion to investigate a credit inquiry for XXXXbank dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXXbank. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my XXXX XXXX and credit history. I am a Surviving spouse of XXXX XXXX XXXX member.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX, I filed another fraud and complaint to Equifax about violating my rights. I spoke to a supervisor on said date and advised them of my filing with the CFPB. Little to my findings, Equifax supervisor illegal changed my last name and email address to avoid actions from CFPB reference # XXXX. I found on XX/XX/XXXX by their helpdesk that my email was changed and also, my credit report was updated to reflect the continuing fraud activity of XXXX XXXX XXXX on XX/XX/XXXX and Equifax failed to notify me because, they illegally changed my name and email address to scam the CFPB and the Federal Trade Commission to advise that I never filed a complaint but the complaint reference with Equifax is Confirmation Number : XXXX filed on XX/XX/XXXX and to prove that they illegal changed my name here is the other confirmation numbers which they have ignored : Confirmation Number : XXXX on XX/XX/XXXX, and Confirmation Number : XXXX filed on XX/XX/XXXX. Today- I called Equifax approx. XXXX XXXX central standard time : Spoke to XXXX in the fraud department -- She Confirmed someone changed my information on XX/XX/XXXX at a time that no recorded information was obtained to support the changes not only, she said, " The complaint date was also changed to XX/XX/XXXX instead of the confirmed email dated XX/XX/XXXX after I made the contact complaint. -- Attached are the supporting documents of the unauthorized changes that was made to my Credit Report ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The following is in reference to a new complaint. The previous one was completed. This is in reference to property located on : XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This loan has been discharged in bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/2015. The account is closed. It needs to be updated as " cease & desist ''. I have requested a " release of mortgage " to Shellpoint Mortgage and have been unable to resolve this. I would like to purchase a home in the near future, and this is affecting me. I would greatly appreciate your assistance with this matter. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation