milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had disputed this Bankruptcy and requested validation that this Bankruptcy belonged to me and I requested the name of the persons who validated this information. Experian ' s response was they verified it.. First of all verification is NOT validation and the law requires the consumer is entitled to validation and what process to do so. Is used. The Bankruptcy court does not validate to the credit bureaus. That was made very clear to me when I inquired through the United States Bankruptcy court. I was not provided any information regarding validation which is proving something with my signature. I am requesting that the Bankruptcy listed under my credit file be deleted immediately since they can not validate it. Also since I disputed it with the credit bureau, they have my online access to my credit report and stated I have to get it through the mail. This action is deliberate because I disputed this issue with them online.

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Theres alot of unauthorized inquiries on my   XXXX   credit report from companies i dont recognize ...

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 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: First wells fargo sent me a denial letter. Upon calling to inquire they asked me for a copy of my social security and bank statements, upon providing that and calling them the representative told me because i am mot a US citizen i cant get the credit card. I have a good credit history and lots of other companies have offered me credit total of almost 9000 $ not even one late payment. After waiting and wasting so much time they told me you are not eligible because you are not a citizen or permanent resident which makes me really upset. I hace been living here for 5 years which makes me a resident of state of texas. If that was the case why they dont have it in writing where they ask for country of citizenship while applying. Looking for your kind cooperation kindly help me. They also have a hard inquiry which will effect my credit score as they are denying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to move my personal residence to my revocable trust. However, USAA does not allow that. Yet, they do prepare trusts and from what I learned, if the trust uses USAA as the trustee ; then it is possible ; but otherwise, it is not permitted. This seems unfair. I 'd further note that their website even recommends moving property to a trust - again, apparently if they are hired as the trustee only. From below, I clicked on making payments some loan servicing is listed under that section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (AR).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX I was sent a link to go online to complete a credit application. I was told during the online chat that it was a zero interest application. When you get to the end of the form you have to choose YES to activate the additional credit card billing or the form will not go forward. The rep from the local store, XXXX told me to call XXXX when I informed her the form would not submit without choosing additional charges to my credit card. She insisted I was wrong. I spoke with a rep from XXXX XXXX at XXXX and was told I was not using a compatible web browser. That I needed to use Internet Explorer, Firefox, etc. I explained I could not do that as I was using Google Chrome. The rep stated I should contact the local store as they had the ability to take care of this over the phone. I again completed the online credit form and it would not accept the form without checking the Yes option to activate the additional billing. XXXX told me during the online chat that Google Chrome would work but not the other browsers. I answered that I had been told the opposite from XXXX. I asked to contact the local store and they would not provide the contact number. I looked the number up online and called the local store in XXXX, AR. 

When I called the store a man claiming to be the manager answered and was very abrupt. He wanted to know what mattress I wanted and they would sell it to me right then. I tried to explain what happened and he did n't want to hear about it. Then I knew I was speaking to the same store employees that I had been chatting with online. Being forced to sign that additional credit card billing was clearly fraudulent. It meant there was no zero interest as was claimed. Please see the Chat Transcript dated Friday, XX/XX/2016 ended at XXXX. 

I have an attachment of the chat transcript and copy of the credit application. I identified myself as a XXXX veteran XXXX. It made no difference to this company and I asked multiple times for additional help which they did not supply. 

Credit Application Form XXXX Optional Card Security Enrollment Selection

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 03/29/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: BANK OF AMERICA CORPORATION ( nominal name " BANK OF AMERICA , NATIONAL ASSOCIATION '' ) ( hereinafter " BAC/BANA '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX ( See " Attachment ). To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX. XXXX " XXXX as nominee for XXXX which was recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC/BANA is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX, BAC/BANA is now the mortgagee of record. ( see " Attachment '' ).

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 07/14/2017 about Debt collection (Other debt) with William C. Grossman Law, PLLC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a notice from William C. Grossman Law, PLLC today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.

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 07-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: To Whom it  may co ncern This my third time complaining about this company. However now since I started paying ahead of time to eliminate some interested, the company decided to raise the rate. Wow, By the time I get done paying them I would have paid  XXXX  on a total of  XXXX  Loans I took from a school (  XXXX   XXXX   XXXX   ) th at no longer exist. If that is not loan sharking I do not know what to call it. Since my last complaint I have started paying early. Now I am a month ahead almos t  XXXX  o n my payments and I get  this bomb d ropped on my, that my interest rate has increased wow. if this is not modern day  XXXX  I do not know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am unable to obtain my credit report or dispute items online with Transunion. I have called time and time and no one can seem to help me. They continue to refer me to XXXX and guess what? I ca n't get my report online there either. Calling the customer service numbers is just as equally frustrating as it is obvious that the call centers are offshored to XXXX and I have a HUGE issue with that. Not only can I not understand them, anytime they are forced to work offscript, the customer service reps can no longer help. This industry is the most outdated, unreliable, and draconian of industries that I have ever had to deal with. Unlike our judicial system where one is presumed innocent until proven guilty, the credit reporting industry is the opposite. Guilty and you must prove yourself innocent. So much reliance is placed on credit in the United States and yet the system is BROKEN!!! Not only that, outsourced to countries that probably do n't even know what the concept of credit is!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've written a formal complaint about a debt to XXXX university that was to be waived. Ability Recovery never contacted me after my dispute yet filed a collection on my credit bureau. Check my credit, I have XXXX collection accounts. I 'm buying a new house and they were destroying my credit score over a debt I formally disputed, in writing, as they instructed me to do when I called. They would ONLY accept a mailed letter and refused a fax our email. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company that is collecting for this debt is National Credit Adjuster. I 've only spoken to a person twice. The first time i spoke to a woman i was asked to verify with my last XXXX given the mini miranda and asked if i will be able to pay the bill today. I explained that i wasnt able to pay and she tried to set me up with different options i wasnt able to set at the time. That rep proceeded to tell me my acct would be marked as a refusal to pay, even though i explained i wanted to take care of the balance. I just wasnt able to at the time. The second time i spoke to a man. He verified a previou road i lived on, not the physical axdress, gave the mini miranda and asked if icould pay the balance today.I told the rep i am not able to pay the balance but i did attempt to pay the original creditor and they didnt have a record. He explained that they own the dept now so they wouldnt have a record and when i said again i couldnt pay now the rep on the line abruptly hangs up on me. They have not recived tcpa on my line i was only asked if it was a good number by the female rep and hung up on by the male rep.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with SN SERVICING CORPORATION (NY).
Issue: Struggling to pay mortgage

Complaint: I submitted a loan modification package to SN Servicing Corporation on XX/XX/XXXX. On XX/XX/XXXX I received a letter of missing documents. On XX/XX/XXXX, I sent the servicer the documents they were requesting. They should have had a complete loan modification package by XX/XX/XXXX. On XX/XX/XXXX I received the letter of denial, how is it possible they that review my file in a short period of time? On XX/XX/XXXX I received a letter of sale. I feel like the servicer is more concerned about taking my home rather than giving me a fair chance to keep it. In the matter of about three business days they decided to deny my loan modification, how is that giving me a fair chance/

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Colorado Capital Investments, Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter from Colorado Capital Investment about a debt I suppose to owe from XX/XX/XXXX. A letter ( Restraining Notice & Information Subpoena ) was send to my bank requesting information about my account without my knowledge never received a letter before today ( XX/XX/XXXX ) about this debt. I do not have any knowledge of owing this debt and also there is no information on the letter as far as contact or who the debt is originally owe to.

Company response to consumer: Untimely response
Consumer complaint received 12-03-2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I had applied for refinancing my apartment loan with Capital One Bank. 
After I went through the entire process, provided all documentation ( tax return of 2 years, COOP share certificate, 8 years Government Civil Service employee and salary proof ) requested by them, paid the fees {$250.00} for appraisal, {$200.00} for their COOP board evaluation, after a month and a half with back and forward, they sent me an email indicating that I had been denied because the COOP insurance does not cover three months of maintenance which is required by XXXX, and no bank would refinance it. 
They indicate that if the COOP would pay a little more of insurance, than they would approve. 
They also told me that I will not find another financial Institution that would refinance it. 
I went to my COOP board and they indicated that they never heard anything like this before. They indicated that many people already had refinanced recently at our COOP with no problems. 
I do not think this is right and apparently there is nothing that I can do about it. 
I had spent my money ( no refund ), my time, my truth with the best intentions of making my American dream to become true in 15 years, instead of 30 and in one line of an E-mail, it had been taken from me with no reasonable explanation

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: my federal student loans were sent or sold to Navient after XXXX It was no way i could make those payments that Navient was ordering me to pay so when i heard about the student loan forgiveness program i jumped on it. The way that it was set up is i qualified for consolidation and i had to pay XXXX and my loans with Navient were consolidated thru another company who wrote Navient a check for my full balance owed on all student loans. Since almost a year ago when this happened I was getting late payments reported on my credit reports after they was paid in full. Student loan I had with Navient are now showing closed and paid. I have called them numerous times and ask could they remove the accounts off my credit report so maybe i will be able to purchase a house XXXX day. I have been told by Navient that they will not remove because by law that was something they could not do. How is it they can put something on your credit to ruin you but cant take it off to help. I just dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nelnet is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Bank account or service (Checking account) with ZIONS BANCORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I have observed Amergy Bank manipulation of my checking account to generate unearned over limit fees for the second time this year.Earlier this year while @ XXXX XXXX XXXX I observed Amergy try to cheat me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Settlement process and costs

Complaint: On XX/XX/XXXX, my home at XXXX VA.was officially closed ( Acct # XXXX old loan number, Va loan, XXXX XXXX , .-XXXX new loan number, FHA, Freedom Mortgage. Freedom Mortgage did a FHA refinance, but since I am a XXXX Honorably Discharged XXXX, I should recieved a Va refinance. I brought XXXX back on XXXX XXXX ( Va loan ) I want a refund from Freedom Mortgage ( FHA over pay ) from XXXX toXX/XX/XXXX for the FHA loan. I am XXXX years old, a senior citizen, and I feel that I was taken advantage of. 
On XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX Sales and Marketing Representative, Phone number XXXX, I had my new home home, XXXX XXXX XXXX XXXX, I had my new home constructed by this company. I was told by XXXX XXXX that based on my debt to income ratio, I had to rent XXXX in order to purchase XXXX XXXX XXXX XXXX. According to my checking account on XX/XX/XXXX I had, {$34000.00} in my checking account, so my finance statement was not a problem, and I was able to buy a {$240000.00} new home, from, XXXX XXXX. According to XXXX XXXX XXXX XXXX, a finance consultant with, Low Va Rates, Va Mortgage Experts- phone number XXXX, XXXX XXXX XXXX said if anything, I should have been told to do a short sale of XXXX But with about {$23000.00} in repairs and upkeep, and evictions since XX/XX/XXXX, selling sounds lick a better ideal. By the I want a {$23000.00} refund as well.

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 (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been a customer of Navient ( originally XXXX XXXX ) for a number of years. They have continued to push for forbearance ( even with the interest still accruing ) when I told them I could not afford current payments. This has happened several times over the years.They also do not allow me to enter an income based repayment plan because they said it is a " private loan ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with DISCOVER BANK (OK).
Issue: Transaction issue

Complaint: Discover Card will not issue the proper credit for merchandise that was returned to a vendor. The vendor was selling the product as " new '' but it was not. They say that the time period has lapsed when in fact I was waiting on Discover and the vendor for a response. Have all correspondence and proof of delivery receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The amount I 'm paying is n't an issue, they told me not to do a ny payments for 3 or 4 m onths last year to which they where adding more interest and charges to my account. They defaultedmy paym ent one t ime and asked me to pay double the amount due to their issues with their server. I do n't see a decrease of my total account but I do see it rising for some reason, tried to find out why but I believe they 're making me run around circles. I 'll have to refinance somewhere else but I want to make the total payment settlement low to take out their unnecessary interest and charges that was n't even my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Very simply. Was charged for a service I never received from a company. Had to file a CFPB complaint to get Citi to take me seriously in the first place. 

The claim to have double credited my account 2+ months ago. Now they are saying I have to pay an extra {$100.00} because they made a mistake. I should not have to pay, months after the issue was dead and done because they made a mistake. 

Please not that attached file, shows the debit is going back to XXXX who I should not be paying since they did not deliver when I ordered from them. I am livid

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