milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a checking and savings account with navy federal XX/XX/XXXX since I am a veteran. a week after opening the account, I was also approved for a credit card with a {$1600.00} limit. when the card arrived, I purchased a pot set from XXXX for {$37.00}. a week after that, I tried to use the card to purchase gas and it was declined. I logged into my navy federal account online to check my balance and the message I got was that my accounts were in a restricted status. I called navy federal and was told I needed to send in my id and proof of residency. I did. 2 weeks later no response back so I went in a local branch. the representative there asked me if I had ever had a navy federal account before and I told her no. she told me there was an account under my name but different address and social information so it has my account on restriction until they investigate. I asked her what address and information did it show so I could file a police report and she said they couldn't tell me but rest assured someone would call me. I left there pissed off. I went home pulled my credit report. navy federal was not on there, but 10 other accounts that I wasn't familiar were. the credit bureau told me to file a police report and identity theft report and I did. i called navy federal and asked where I could send these reports to them and they said they didnt need them because my accounts were all on a permanent hold and could never be used. they didnt even give me a chance to show my innocence. I still mailed in my reports and explained my situation and never heard back from them. XX/XX/XXXX, I called navy federal and spent an hour on the phone trying to get to a supervisor and wasn't allowed to. i started watching my credit on XXXX XXXX since it was free ( my first report i pulled was {$39.00} ). it showed i owed navy federal {$12.00}. i mailed a money order. in XX/XX/XXXX, XXXX XXXX said i owed them {$42.00}. i mailed that too. fast forward to today. they JUST updated me as 90 days late and i owe them {$88.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an Inquire fro m Comenitycapital/ XXXX   on  XXXX    XXXX ,2016  which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX credit bureaus.

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 03/31/2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I was charged a overdraft fee of {$36.00} by BBT Bank when my available balance was more that the amounted debited from my account. My posted balance was not so that is why the overdraft fee was charged according to BBT. However had I used my debit card for the same amount it would have been covered and NO overdraft fee. This is just a way for BBT to make extra money off consumers. What is really crazy is I made my deposit in cash at their ATM at XXXX and that was to late for them to post CASH to my account but it was showing in my available balance. Every other bank if you make a cash deposit anytime it is posted and available to use. This is totally just away for big bank to make extra money of the consumer.

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 05-11-2016 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (ID).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home with XXXX, who sold our mortgage to SunWest Mortgage. We set up our mortgage on automatic payment, so there have been no late fees. 
An escrow account was set up as part of the refinance. We were supposed to have two months " buffer, '' and during the refinance, {$480.00} was placed in the escrow account, with {$300.00} escrow payment due each month to cover Homeowner 's Insurance, FHA Insurance, and County Taxes. We just completed our first year, and our property taxes went up by {$100.00} for the year. As of today, we had over {$700.00} in our account, which is more than the 2-month buffer. 
SWMC raised our mortgage from {$1300.00} to {$1400.00} and they claimed they want our " starting balance for the new year '' to be {$1100.00}, which is about 4-5 times the original 2-month buffer. 
SWMC claims it is for the upcoming year 's anticipated " shortage '' based on their " analysis. '' Our escrow only covers 3 items to analyze as previously stated : Property taxes, FHA Insurance, and Homeowner 's Insurance. The FHA Insurance is not going up. The Homeowner 's Insurance has no claims ( and has never had a claim in 10 years ), so its rates are n't going up. That leaves an anticipated increase in property taxes. 
From the time we refinanced until this year, there was a {$50.00} shortage in our taxes, which they just took out this month. 
Currently, we were told we have a $ XXXX balance, and our taxes are due in XXXX. SWMC wants to pay the taxes early ( in XXXX ), claiming that when they do so, we will be in the negative because they will also pay FHA at the end of the month. 
They raised our Escrow to {$310.00} ( from {$300.00} ) to cover the difference in taxes. Then they added another $ XXXX/mo on top of the adjusted escrow payment each month. The new escrow payment is high enough that it will cover ALL payments ( taxes, property insurance, and FHA insurance ), and by this time next year, the buffer will still be there. 
Basically, SWMC wants to add another {$500.00} slush fund at our expense, yet they have absolutely no mathematical or legal justification to take this extra {$500.00}. 
The Math : FHA Insurance {$150.00} X 12 months = {$1800.00}. 
Property/Hazard Insurance ( 12 months ) {$650.00}. 
Property Taxes ( 12 Months ) {$1300.00} TOTAL YEARLY REQUIRED ESCROW $ XXXX Monthly escrow amount needed to cover {$3800.00} charges : $ XXXX/month Current Principal and Interest payment : {$1000.00} + {$320.00} ( adjusted for tax increase ) TOTAL NEW PAYMENT : {$130000.00} SWMC NEW Payment : {$1400.00} If the $ XXXX/month payment shown above covers ALL escrow expenditures IN FULL, and borrowers still have the 2 month required buffer, how can they legally raise our payment an ADDITIONAL $ XXXX/mo. ( $ XXXX/yr ) above the newly adjusted, higher escrow amount?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I signed a six month agreement with XXXX. I signed the lease over from another person. The apartment complex agreed that I would live in the property from XXXX XXXX until XXXX XXXX. In XX/XX/XXXX when I went to turn in my keys management told me that I owed rent up until XXXX XXXX. They said that they would not try to find anyone else. Even if I found someone else they wanted me to still pay the next six months, which is illegal. They told me that If I did n't pay the next six months rent right then, they would turn it over to collections. I set up a meeting with management to try and discuss some alternatives. They kept giving me the run around and ignoring my calls and emails. A few weeks later I received a collection notice from Pro Collect for over {$3000.00} dollars which included huge fees for cleaning a tub and lost keys ( which I turned in ) and unpaid rent. I was only obligated to stay in the property for six months, and regardless it 's illegal for a landlord to not mitigate their damages. They sent my account over to collections for six months accelerated rent three weeks after I moved out of the property. This is illegal! They ignored all my calls and attempts to work something out, they told me to pay up the next six months rent or they would send it to collections right away. They intentionally ruined my credit without making any attempts to mitigate their damages which the law requires. When I contacted Pro Collect through a written letter, and called showing evidence of this unfair charge they told me to sue XXXX. They admitted that I was right about the landlord 's duty to mitigate their damages, however if I wanted this off my credit I would have to sue the apartment complex, and that would cost me more than paying the {$3000.00} that they were attempting to collect. They also advised me that disputing this charge would hurt my credit. I later called back to try and get more explanation on how it was legally to try and collect when they broke the law, the lady said she was n't there to argue with me and proceeded to end the phone call. They refuse to remove this from my credit, even though legally the apartment complex broke the law.

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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in contact with Equifax regarding excessive inquiries on my credit report and I have added fraud alert to my credit file regarding the issue with the excessive inquiries on my credit file. still to this date nothing has been done about it and I am showing new inquiries on my credit file that I did not authorized. I do n't see how this is happening if I have fraud alert on my credit file. there is about XXXX Hard inquiries on my credit report with Equifax that should n't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Auto debt) with Riverwalk Financial Corporation (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I noticed this company on my XXXX  credit report, but have not received any letters of communication from them nor have I received a phone call. This company have not validated that this debt is mine nor have they verified any information is correct. I have sent many letters to them asking them to validate this debt and have not heard from them, it has been over 6 months, and I have still not heard from this company. The amount of debt they are reporting on my credit report is {$2200.00}. I do not believe that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened XXXX accounts in may name since XXXX. XXXX of these accounts were opened in the past 5 years. Wells Fargo ran my credit for a personal loan that was intended to be used as debt consolidation. At the time I had less than {$3000.00} a year in income. Wells Fargo opened a credit card account for me when I had no income and that got closed and in XXXX they opened another saying that it would help me build credit. Again at that time I had little to no income. I had to go into a branch to even find out all of my account numbers/ and the dates that they were opened and closed as these arent available online. I also have paid over {$2500.00} in over draft fees. Wells Fargo refused to allow charges to be denied when funds werent available. There were times where my account would have XXXX or more stacked on overdraft fees because items would be posted in my account online and then disappear only to reappear a few days later and with multiple {$35.00} fees attached.

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 03-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: ( 1 ) Could you investigate the Chase 's mortgage accounting book? We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest in XXXX and XXXX while they should have paid ~ {$9900.00} and XXXX {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole XXXX {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; ( d ) interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: To whom it may concern : My name is XXXX XXXX and in XXXX XXXX I went to XXXX XXXX XXXX ( XXXX ) XXXX to inquire about information regarding financial aid. I was directed to fill out a FAFSA application, which I did. The office told me I was eligible for around XXXX in financial aid. I asked them if it has to be repaid because I told them if it was a loan I wanted no part of it and I was told " No '' At the end of the semester I had money left over and I went back to the office to tell them this and ask them what to do with this and I was told " It is yours to do with as you please '' I again asked them if this had to be repaid and I was told again " No '' I went back to XXXX the next semester and I was not eligible for anymore financial aid, so I paid for my classes out of pocket. On XXXX/XXXX/XXXX I received a call from Nelnet telling me I was 33 days past due on my student loan. I told them I did n't have a student loan it was financial aid and I was told this did n't have to be repaid. They informed me that it was a student loan and it had to be repaid. I asked them for information they had about this and I was told to go to XXXX and talk to them. On XXXX/XXXX/XXXX I went to XXXX with my father and spoke with XXXX XXXX a financial aid advisor and explained what had happened and she printed out these forms that said Direct Loans on them ... this was the first time I had seen these and told her I did not fill out or complete any loan application as I told them form the beginning I did not want a student loan. Now I 'm in a situation where I will not go back to XXXX due to their deceptive nature and I am being harassed by Nelnet demanding money I do n't have based on the misleading information I received from XXXX. I am asking for any help you can give me with this as they will not help me in any way at all. Please feel free to call me at XXXX or email me at XXXXXXXXXXXX with any questions Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was on an income driven payment plan and was un-aware that the plan had to be renewed and was not aware of the deadline of when to re-apply for one. It was also not made clear of what proper documentation was needed to prove my income. When I applied the first time I submitted a pay stub, when I had to re-apply, I sent the pay stub but did n't find out until after Ii got another bill, of which was too high to pay because the plan expired, that a pay stub was not an acceptable form to prove income. I was then told to send a copy of my tax return. It was n't until after that, they were able to put me back on the income driven payment plan, but by then I had already accumulated late fee 's because my payments were too high to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER Capital One is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by XXXX XXXX XXXX a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX not hold me responsible for a debt I did not incur. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Transunion Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (FHA mortgage) with LENDER LIVE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Good Afternoon, On XXXX XXXX, 2015, I received a notice from my current mortgage company informing me that my loan was being sold to LenderLive Network , Inc. effective XXXX XXXX, 2015 and I would be receiving a letter with instructions from LenderLive Network , Inc. with my new loan number and instructions for making my mortgage payments. It 's now XXXX XXXX, 2015 and I have n't received anything from LenderLive Network , Inc. I 've tried calling LenderLive Network 's customer service line and have been hung up on 5 times by their automated service. I just want to know where to send my mortgage payment and to speak to a human being at LenderLive for questions. The law requires that new loan servicer companies to notify you 15 days prior to the effective date of the change and Lenderlive Network , Inc. has not sent anything! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: I sent {$210.00} thru money gram for a puppy and then XXXX XXXX told me to go to address to pick up puppy and the home I went to the people had no clue what was going on. I called money gram and filed a complaint and they told me to file a police report which I did and I have called 5 times and they wont give me no more info I then filed a dispute with my bank and money gram is denying that it was fraud. I asked who the person was that picked up money and they wont give me no info.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Promised XXXX Citi ThankYou points ( valued at {$400.00} ) when opening a CitiXXXX Checking account and meeting certain requirements. Citi customer service has confirmed that I have met my requirements, and promised the points by the end of XXXX. I have not received my points. Online customer service representatives, contacted yesterday and today, were unable and unwilling to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief