milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Problems caused by my funds being low

Complaint: I had fraud on my business account debit card.With in 4 days I had 2 Airline tickets purchased from XXXX. I reported them to Navy Federal Credit Union ( My bank ) but they are not believing me and this has caused my bills not to be paid because the account went overdrawn by this fraud and my bills got returned and in returned I get charged for the returned fees which cost me a lot of money for each of this bill. The most annoying is how they bounce my bills back when I had enough money in my account for my bills the previous day but they honor a fraud that was not even pending on my account.The shocking part was they adjusted my account transaction showing as if I transferred the money after the fraud happen and bills get bounced back. 
I am so angry, I have been trying to contact them but they are not helpful at all. I even let them know I will be contacting financial ombudsman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: PARENTS CUSTOM BUILT A HOME IN XX/XX/XXXX. THERE HAS BEEN SEVERE DAMAGES ON GOING WITH THIS HOUSE. IN XX/XX/XXXX, THE DAMAGES MOUNTED OVER XXXX. MY MOTHER WAS FORCED INTO TAKING OUT A REVERSE MORTGAGE IN ORDER TO REPLACE THE ROOF IN XX/XX/XXXX. IN XX/XX/XXXX, XXXX, WE FOUND OUT THAT THE MAIN SEWER LINE RUNS ALONG THE LEFT SIDE OF THE HOUSE WITHOUT AN EASEMENT. IN CONTACTING THE ENGINEER DEPARTMENT FOR THE CITY, WE WERE INFORMED THAT THE CITY OWED US A GREAT DEAL OF MONEY AND THE TAXES WOULD BE TAKEN CARE OF BY THEM SINCE WE WERE FINANCIAL BROKE BECAUSE OF ALL THE DAMAGES WE PAID FOR OVER THE YEARS. AS OF XX/XX/XXXX, THE REVERSE MORTGAGE FORCLOSED AND SOLD OUR HOME WITHOUT OUR KNOWLEDGE. WE HAVE BEEN WORKING CONTINUELY WITH THEM OVER THIS PROBLEM. WE HAVE SENT THEM ALL DOCUMENTS SHOWING THAT WE HAVE AN EXCELLANT CASE FOR FRAUD AGAINST THE INVOLVED PARTIES. THEY INFORMED US THAT THEY DIDNT CARE AND WAS N'T THEIR CONCERN. MY MOTHER HAD XXXX THE DAY BEFORE THE HOUSE WAS SOLD. HER HEALTH IS FAILING GREATLY AND IS FACING ANOTHER XXXX IN XX/XX/XXXX. I HAVE SUPPLIED THEM WITH A DOCTOR 'S LETTER STATING HER CONDITION TRYING TO KEEP US FROM HAVING TO LEAVE AT THIS TIME. THEY WILL NOT BUDGE. THEY EXPECT US OUT BY XX/XX/XXXX. ALL THEY CARE ABOUT IS THAT THIS IS A GOVERNMENT BACKED LOAN AND WOULD RATHER GET THEIR MONEY FROM THE GOVERNMENT INSTEAD OF THE TRUE RESPONSIBLE PARTIES. THESE PEOPLE ARE DESTROYING MY MOTHER AND THEY ARE NOT EVEN WHO WE DID THE REVERSE MORTGAGE WITH. I DESPERATLEY NEED HELP.

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 02-12-2016 about Mortgage (Home equity loan or line of credit) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We recently got a home equity loan with BBVA Compass. On our first mortgage statement we were charged a {$320.00} appraisal fee. When we reviewed our HUD-1 statement we saw that that fee was to be paid by the lender in escrow. We called BBVA Compass and after an 45 minutes of transfers and hold time, we were able to get them to reverse the charge. My concern is that other people have been charged an appraisal fee after closing, and did n't know that they should n't have to pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a Identity Theft affidavit to the company. The address on my XXXX report and the address the company shows i have never lived at. I never opened the line of credit. They will not remove the mark on my credit report. I mailed the affidavit via certified mail to the company. I have changed my name because of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX my daughter and I traveled to the XXXX Clinic from NJ. While there, for the first time, I opened an XXXX acct with my TJ Maxx credit card ( Synchrony Bank ). We used the service several times for which I paid in full. During the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the XXXX acct was used fraudulently running up over {$800.00} in charges. I reported the fraud to Synchrony and they opened an investigation. After 3 months I began receiving calls from Synchrony saying my account was delinquent. Again I called to say this was fraud so they opened another investigation. Once again after several months I received a call from Synchrony to say my acct was delinquent. Yet again I went through the Fraud Dept and the Investigation team. I was told my fraud claim had been rejected because I did business with XXXX therefore it was my responsibility to contact XXXX with my fraudulent claim. I have attempted to contact XXXX without success. There is no telephone number nor address to contact. On the their website a web address is provided XXXX. I have in vain sent info describing this incident. After submitting it a several days later a notice comes back saying that it was not received. I can not begin to tell you how many times I 've tried to submit the information to them. In the meantime I have been sending money to Synchrony to protect my credit worthiness. It occurred to me that perhaps Synchrony had a contact that they communicated with or perhaps they also had the issue I was experiencing- not being able to contact XXXX. Today, XX/XX/XXXX, I received a phone call from Synchrony advising me that my account is past due. This time I asked Synchrony to show me actual proof that they did contact XXXX and if so I would like that info so I may get in touch with XXXX. After being switched to the third individual I spoke to XXXX who was an account Manager of Fraud Investigation. Donie was agitated and could not answer the question : who did Synchrony contact at XXXX? I need proof. XXXX said that info was not provided. XXXX said Synchrony had asked me to provide new information. I explained I was never asked to provide new information. Specifically what are they asking for. Once again XXXX could not provide answers. XXXX said this was my responsibility and the investigation had concluded. I asked to speak with a supervisor to which XXXX responded there are no supervisors. I asked for an employee id number to which I was told there were none. I challenged that so XXXX gave the following # XXXX. After 43 min of being on the phone I was put on hold and eventually disconnected. NEVER WAS I INFORMED THAT I COULD CONTACT CFPB IF I DIDNOT AGREE WITH THE CONCLUSION OF THE INVESTIGATION

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 05-04-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have a home loan w ith Wells Fargo that is currently in arrears. I have spent the last year working with agents o n negotiating a reasonable payment plan, restructure, or loan modification, but I can not seem to get through the red tape. I feel I have not been accurately reviewed for any other options that would lower our monthly payments. I have done everything I can possibly think of to resolve matters with  Wells Fargos agents, but my pleas for assistance have been ignored. Wells Fargo re ceived {$25.00}  XXXX  dollars in bailout funds from t he U.S. Treasu ry. As such,  Wells Fargo  should be helping struggling homeowners like me, rather than pushing them toward foreclosure. Wheres my bailout? I am now in danger of losing my home to foreclosure, and need your offices help! A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     In  XXXX , I purchased my home signing a purchase money loan originated with  XXXX   XXXX . In  XXXX , I refinanced my mortgage signing a new loan originated with  Wells Fargo . In  XXXX , I received a loan modification. I timely tendered my mortgage payments on time as agreed for  XXXX  years. However, in  XXXX , Due to the struggling, I lost a substantial amount of business revenue along with the building I owned and ran my production company out of. I did the best I could to keep up with my mortgage payments, going as far as depleting my savings and reserves, but eventually defaulted on my home loan and was moved to foreclosure status.     In  XXXX , I contacted  Wells Fargos ag ents advising of my struggles to tender my mortgage payments. I was advised by  Wells Fargos  agents that I am not eligible to apply for a new loan modification at that time. However, recently, Wells Fargos agents offered me the   opportunity to apply for a new loan modification. I completed and returned the loan modification application, along with all required documents. After receiving what I can only call a runaround and paper-chase, with agents requesting and re-requesting the same documents repeatedly, no decision has been rendered. No other home retention options have been offered. A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     How is it possible that  Wells Fargos a gents have not afforded me the opportunity to be reviewed for a reasonable and fair resolution? My income is enough to afford a reasonable monthly mortgage payment and resolve this matter. I am certain that there are home-retention programs for which I qualify,  yet Wells Fargos  agents are denying me access to them. There is no justifiable reason fo r Wells Fargos agent s not to work with me and consider me for government programs such as a restructure, loan modification, and forbearance.

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 05/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX sent me a {$40.00} reimbursement check on XXXX XXXX, 2016. I notified them to mail me a check since Citibank account was closed. Instead XXXX told me that they put it back on Citibank account. Both Citibank and XXXX said they do n't have the money. XXXX said sent to Citibank. They said they never received it. My Citibank account was closed by the Branch Manager on XXXX XXXX, 2016.

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 07-10-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that XXXX XXXX system cease calling my mother 's home where I do not reside.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: About 30 years ago I opened an account with overdraft protection with Wells Fargo Bank. 
Last year there was a overdraft on a check. The Bank never told me they were opening a credit card account for that overdraft. that was charging the maximum amount on the overdraft, interest and fees. A statement came in the mail about two weeks ago ( the only one sent ) saying we owe almost 2400.00 dollars to the Wells Fargo credit account which I didn't know about. The bank was doing automatic transfers out of our account to the credit card until now. I talked to a XXXX XXXX in Customer Service about this and he asked didn't Wells Fargo Bank tell you that they were opening and account in your name? XXXX was not aware of this account until now. XXXX XXXX told my husband and me that someone will call us tomorrow from Wells Fargo credit card. I talked to XXXX XXXX XXXX @ XXXX She Opened up a claim on XX/XX/2018 The claim was about this account my wife was not aware of. XXXX XXXX XXXX said she would get back to my wife and with the decision tomorrow. That XXXX XXXX XXXX would call by noon. But I was anxious after XXXX XXXX came and went. I called and a XXXX XXXX answered the phone saying XXXX XXXX was out for the day. XXXX XXXX said call on Monday.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I wish to file a complaint against Portfolio Recovery XXXXociates, LLC for reporting a fraudulent account on my credit reports. I noticed a fraudulent XXXX XXXX XXXX credit card account on my credit reports. I have never had an account with XXXX XXXX XXXX. XXXX XXXX XXXX did an investigation and ruled in my favor, that this account was fraudulently open. XXXX XXXX XXXX removed this fraudulent account from my credit reports. The letter I received from XXXX XXXX XXXX, is enclosed as an attachment. But Portfolio Recovery Associates, LLC the collection agency that purchased this account and listed it as a collection account will not remove this fraudulent account from my credit reports. 
The original creditor XXXX XXXX XXXX, determined I did n't open this account and that it was open thru fraudulently means and I am not liable for any charges related to this account. So Portfolio Recovery Associates, LLC is violating the FCRA by listing an account on my credit reports that does n't exist. Please make Portfolio Recovery Associates remove this fraudulent account from my credit reports. They are knowingly and willfully violating my consumer rights and the FCRA. The letter from XXXX XXXX XXXX is enclosed as an attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Consumer Loan (Installment loan) with GVA Holdings, LLC (CT).
Issue: Taking out the loan or lease

Complaint: I received a loan for XXXX in XXXX. I have paid XXXX two weeks in every month starting in XXXX XXXX. By now this loan should be paid off. XXXX now is charging excessively and the next payment they said is due to be taken out XXXX/XXXX/16. There number is XXXX XXXX. XXXX XXXX. My name is XXXX XXXX XXXX. They are operating name is different it is owned by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Recovery Solutions, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I continuously keep getting a call at my place of employment from a XXXX XXXX, I have asked him several times not to contact me at work and he continues to do so even going as far as calling my supervisor and leaving a message with him.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I  actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my  balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX XXXX 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX XXXX XXXX is  retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

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 11/28/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX with a balance of XXXX with a balance of XXXX these accounts show on my credit report, company has been unwilling to answer requests for information on these debts and continually reports them as " verified '' to the credit reporting agencies. in effort to repair my credit, even though the balances are not mine nor do i know the accounts, i paid the amounts directly to PRA. The accounts were re-verified with the credit reporting agencies and still shows full balances on my credit report. i find this tactic a bit dishonest and want PRA to remove the items from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: A little over two years ago, I had a Macy 's department store card. Then I suddenly received a new Macy 's card with an Amex logo on it. I assumed it was meant to replace my old store card because there was no other explanation in the envelope and it arrived looking just as replacement cards do, so I started using it. Luckily, it was only a small purchase I made, but it turned into a massive issue because I never received the bill. I was used to getting my department store statements online per my request and I did n't realize so much time had passed until I started getting calls from collection agencies. It turns out that Amex claimed they had n't been able to send me my bill and it was months overdue. Someone finally explained to me that I was dealing with XXXX separate cards and XXXX separate bills. I was furious about them opening a new card for me and then not even transferring my billing/contact information along with it. I finally got a Macy 's rep to straighten things out and I demanded that they fix things with all XXXX credit bureaus too. Then I demanded that they close every account related to me. They agreed. Last week, I received a letter fro Macys Amex saying that they have n't been able to email me my statements so they 're canceling my online preference and will start sending me paper bills!! This account was supposed to be closed two years ago! Is it not illegal for a company to issue me credit card without asking me? It must impact my credit if they check my score before issuance. What 's more is I 've had that unused credit sitting idle all this time. I have n't been able to figure out how it has affected my credit score over these last two years! I 've been emailing and calling them but no one can explain what happened and they 've just stopped communicating with me. I want them to fix this with the bureaus. I do n't think I should have to do it. Today I got a generic letter saying that my account has been closed, but it should 've been closed 2 years ago! What 's more is that the letter says that they 'll report the closure to the bureaus, but it will report it like a regular closure without explaining that the card was n't requested by me. How can this not damage my credit? What path of recourse do I have? Has this been illegal activity on Macy 's part? I would really appreciate any help you can offer. To be clear - this issue is with both Macy 's American Express ( for opening a card without my consent and not closing it upon request ) AND Macy 's ( department store ) Credit Card ( for not closing my account at my request ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue. My issue is again ; MY COMPLAINT XXXX XXXX XXXX OpenedXX/XX/XXXX {$170.00} Original creditor : XXXX XXXX XXXX I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX <P/>Please reference attached documents again. Case # XXXX CLOSED, BUT NOT SATISFIED Case # XXXX CLOSED, BUT NOT SATISFIED Confirmation # XXXX This matter has been cleared and satisfied with my XXXX  Credit Report but not on my EQUIFAX Credit Report. Please assist, or force assistance in cleaning up my Equifax Credit Report regarding this FALSE information.

Company response to consumer: Closed with explanation