milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (AZ).
Issue: Trouble during payment process

Complaint: My father XXXX XXXX on XX/XX/XXXX, I as one of the heirs contacted Financial Freedom, CIT Bank, N.A. to notify the company of his passing and also requested to purchase the property back within the 30 day timeframe requirement. I was told that they would not even have an appraisal of the property or grant an extension until we were able to provide a notice of intent and proof of funds, and an offer letter or the home would foreclose. At that time I was advised that if the offer letter was not enough to satisfy the loan that an appraisal of the property would be done and we would be quoted an amount to satisfy the loan, ( which should be 95 % of the appraised value not the current loan amount ). On XX/XX/XXXX I faxed all the requested documents and waited for a response. We then received a letter requesting our intent with the property and additional information, this was faxed XX/XX/XXXX. I called XX/XX/XXXX to confirm receipt of the information and was told that we were declined for an extension and that we needed to list the property for sale or the home will soon foreclose. I advised that we need them to have the home appraised so we can get the amount needed to purchase the property, they refused to do an appraisal of the property so I advised that we have no way of listing or purchasing the property until we are quoted an amount. On XX/XX/XXXX I have sent a letter requesting in writing what the options are for the heirs, an extension of the loan, an appraisal with the amount due to satisfy the loan. We are close to the 90 days for foreclosure and we have sent everything requested, without an appraisal or an extension the property will soon foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A " debt collection '' agency is trying to solicit payments on a debt to XXXX that I do not owe. The same number XXXX XXXX ) had called me on XXXX XXXX at XXXX and again on XXXX XXXX at XXXX. I returned the call at XXXX on XXXX XXXX. When I first got on the line, a woman told me her name and company too quickly for me to hear. She asked me to confirm my name, which I did. She then asked me to confirm my address, which I did not feel comfortable doing, so I asked her to repeat the name of the company. I typed the same into XXXX quickly, and realized that others have complained about solicitation of false debts. The woman on the line asked me to confirm my address, which I did. She had already known my correct full name and address, even though I have never shared this information with this company. She then informed me that I owe approximately {$600.00} to the company XXXX, which is ridiculously untrue. She asked how I would like to pay today, and I hung up the phone. I have since logged in to my account on XXXX 's website, which I made when I bought a dish for XXXX in 2012. My account shows no other purchases since the dish, and certainly no existing balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I continue to receive phone calls from a debt collector regarding a loan that I have never taken out with this company. I have asked this company to provide documentation or a contract related to this loan and they have yet to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: We have already submitted the complaint on XXXX XXXX # XXXX and it still has not been resolved. The continue to allocate the payment as follows.They take out the minimum on the revolving charge and allocate the balance on the promotion. I have called and even spoke to an executive XXXX XXXX XXXX XXXX XXXX and assured me the allocation will be as follow. Pay the entire revolving charge in full and any balance reduce the promotion. My latest statement show they have not done this and continued to allocate in a way I believe is fraud. 
Please help in this situation. XXXX and 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 05-02-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a letter from XXXX today on behalf of LVNV Funding LLC on a debt from XXXX XXXX XXXX XXXX. No Full Account number listed. Since LVNV Funding LLC could not provide verification of debt on the last one they sent out I am sure they can not on this and the only verification I will accept from these are the followingSigned copy of the contract, Fully payment history, last payment madethis is notice that this is disputed and they are in violation of consumer protection rights actually. I never heard of this company and all of a sudden they are sending my info out to several companies : XXXX Capital Services XXXX XXXX Capital Services, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX - all of these are XXXX. None of these companies have I ever heard of or from. Since my last cc was paid off in good standing they have to prove to me that I owe the bill and not just expect me to pay a bill they say I owe in their computer system because anyone can type up information and put it in their computer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this debt is over seven years old since it was delinquent. It needs to be removed from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My spouse visited the local branch of Security Finance to make a payment on his installment loan and was asked by the representative if he was my spouse. He was then asked by the representative if he had spoken with me about my payment that was due. ( we have separate installment loans that are in each of our names individually ) The representative then disclosed to my spouse the payment being due and the balance on my account and proceeded to ask my spouse to make a payment on my account. My spouse did make the payment. This company had no right to disclose any information on my account to any other party.

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 11-05-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws. 
It is also reporting twice on mt trans union 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 09-07-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: LVNV has filed a wage garnishment on me for a debt that equals {$2800.00} from 2008 which is past the limit of state. being 8 years. I look at my credit report ant there was a wage garnishment, I never receive any paperwork from these people and do not owe this debt. This is an old credit card debt that they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: I was XXXX yrs old steered toward college because I maintained good grades in XXXXschool forced to take student loans to pay fot higher education and given a higher than 10 % interest rate with a cosigner because i hadnt established credit ( predatory lending ) i was then suspended from XXXX university for an offense that was dropped in XXXX county municipal court and the school proceeded to say they had more power than the court system and they didnt care what the ruling in the case was and found me guilty with no trial or evidence and I couldnt fight them because my family is poor

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: I applied for a credit card from Capital One XXXX the Capital One XXXX XXXX online on XXXX/XXXX/15 and was instantly approved. On XXXX/XXXX/15 I received XXXX a letter in the mail ( dated XXXX ) saying that I had been approved for the card and, in a separate letter, the card. 

I called into activate the card and was then told that my card had been closed because of " fraud ''. They would not tell me what the reason is or give me any more details and after spending hours trying to find an answer was finally told by a supervisor that their fraud team had spoken to someone on XXXX/XXXX/15, and that the person told them he/she had not applied for the card. They would not give me any more details, such as who they allegedly contacted or why they called that person when I had n't even received or activated my card yet. Of course I was never contacted by Capital One, only gave my contact information in the application and did apply for the card. There was no fraud involved in my application and if they claim there is I believe I should be informed of the circumstances. Applying for the card affected my credit score and negatively impacts my ability to get credit generally. I applied for a card, was told I was approved for it ( and indeed received it ) and then had my account shut down without any explanation before I could even activate it. I feel misled as a consumer and am extremely upset by the lack of transparency by Capital One, especially in a potential fraud situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: XXXX Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. XXXX is reporting fraudulent information to possible creditors. Transunion is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what Transunion sends to my creditors.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATEXX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXXXX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXX XXXX XXXX DATEXX/XX/XXXX XXXX XXXX DATE 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 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian keep reporting my XXXX XXXX XXXX account as : '' Paid, Closed. {$4000.00} written off. '' This information is incorrect and would like for them to correct this information. XXXX XXXX XXXX has written Experian and asked for this credit information be corrected. XXXX XXXX XXXX has not issued a XXXX from to be for the amount claimed to be " written off '' none of the balance was written off. I have payment records to indicate that the account was paid. we have been trying to get this information correct for 2 years. Experian refuses to investigate they just keep sending us the same credit report showing the information as updated. Nothing has been updated, Experian crazy and lazy when it come to making corrections. They have no reason to correct anyone 's report because they are not getting paid to correct anything. They make money when they sell bad reports. Experian could care less about consumer 's, they like to blow smoke and claim they care. Please force Experian to do the right thing whatever that is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX has informed me that they are excited to let you know that we have received the Initial Approval on your loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
XXXX XXXX shows credit scores as follows TRANSUNION reports a score of XXXX as of XXXX/XXXX/XXXX ( very disappointing ). XXXX XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

TRANSUNION 'S KEY FACTORS Serious delinquency Time since delinquency is too recent or unknown Proportion of revolving balances to revolving credit limits is too high Number of accounts with delinquency The number of inquiries has adversely affected the credit score. 

Letters submitted on or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX, and XXXX have been filed disputing these very same key factors. A review of TRANSUNION credit report # XXXX dated XXXX/XXXX/XXXX and XXXX dated XXXX/XXXX/XXXX revealed that the information reported by TRANSUNION does not support these absurd key factors nor does this information support the appalling credit score. This is the worst credit score I have ever received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Deposits and withdrawals

Complaint: A refund was illegally refunded by XXXX to a closed debit/checking account w/ Citizens Bank XXXX After many phone calls into Citizens Bank, was finally able to find that the refund was in fact sent to my closed account & a check was issued for the refund one month later. After 4+ weeks of no check being received, I began to call into Citizens Bank requesting a re-issue be done as I still had not received the refund check that was righfully mine. Another week passed and they stated they were going to notify the correct department to place a stop payment on the check. Low and behold, two days later I received the check and I did call to make them aware that I had received the check. I received a phone call assuring me that the stop payment had not been placed on the check and it was ok to cash. Upon cashing the check on XXXX XXXX, 2015 when the refund was placed into my closed account on XXXX XXXX, 2015, I received a letter from my current institution on XXXX XXXX, 2015 via mail that there was a stop payment and that the funds had been withdrawn from my account. This refund was performed by XXXX on XXXX XXXX and I am still waiting for that refund as it has been 3 months. Who exactly is getting the interest on this said money that does n't belong to them yet make it ever so difficult to return to the rightful owner?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/XXXX, I called XXXX because I notices an entry from them on my credit history. I spoke to an agent and learned that there was still a balance on my account from when I moved out in XXXX. I paid the full amount and asked that I be sent confirmation of payment. After 60 days, I followed up, in XXXX and asked that a satisfaction of debt letter be sent to me. At that time, I was assured that the listing would be removed from my credit report. In XXXX, I pulled my credit histories and found that the listing was still on my account. I called them on XXXX and was assured again that the listing would be removed and that the delay had been caused by a merger with XXXX. I was also told that they are not the holders of the debt and should never have collected the debt from me in the first place. I argued, saying that, in fact, they gladly collected my money and assured me that they would remove the negative listing. Finally, I was told that they would have the mark removed. To date, XXXX is still listing a negative mark on my credit history despite 6 months of promises to remove it. I am complaining both to have this listing removed and because this kind of willful negligence of their reporting responsibilities is unacceptable and needlessly damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Mortgage) with CountryPlace Acceptance Corporation (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple Emails and Multiple calls from several people at this business. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX. I communicated my plan for payment. Stated I was doing the best I could do and that repeated contact would not change what I could do. Asked them to restrict their contact to ONE member of their staff and to use Email only ( as I can not receive calls during the day ) They have also called before XXXX and called after I 've asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Other mortgage) with Seterus, Inc. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: " Please be advised that in order for loans to be eligible for modification assistance, they typically must be over 60 days delinquent. However, based on the information you provided, you demonstrated danger of imminent default and became eligible for the four month Trial Period Plan. Under the terms of the Program, reduced payments of {$630.00} were due XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The reduced payments were designed to put your loan delinquent in order to meet the requirements of the owner of the loan, XXXX. Because you did not perform on the proposed Trial Period Plan terms ; rather, you remitted your XXXX Trial Period Plan payments early and the loan remained contractually current. Therefore, the Trial Payment was denied on XXXX XXXX, XXXX. '' Once again XXXX XXXX XXXX & XXXX XXXX of Seterus has given incorrect information. The letter of XXXX which I received on XXXX/XXXX/XXXX from XXXX states that the payments of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were received were designed to put my loan in default. If that was the case, I could not have made the payments early as stated since SETERUS took the payments out directly from my XXXX bank act and if they wanted to make them delinquent, that was their priority. I was also advised by them to " never be late '' as well as Making Home Affordable " to never be late '' and Seterus told me to allow them to take the $ out of my account directly so this would happen. I was told when the Denial came to me to make up all the payments or I would be charged late charges on everything, causing me to have a foreclosure. And that my Credit Score would also be affected. ( I have been advised to go directly to XXXX and one other Government Official if Seterus does not grant me the Modification. ) At this point it is very difficult for me to make these payments because my situation is about the same if not a little worse. However I would rather starve then let Seterus claim my home. And going through all the paper works that I went through the first time put my health in jeopardy. CFPB has records of my previous complaints on file and I could not respond or dispute the last XXXX because of a computer problem. Thank You for helping me, CFPB in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a water claim in my home. My mortgage company ( Ditech ) has been extremely difficult to work with. They have held onto checks I received from my insurance company to the point where I have contractors very angry with me because I have not paid them. I can not pay them what they need without the checks from my mortgage company. Not only are they taking weeks to endorse the check and return it to me, they are also keeping a good portion of the checks even after the work has been completed by contractors.

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