milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I approached CitiMortgage, Inc. with a request for a Short Sale on a home they are serving the mortgage for. The loan is owned by XXXX. Citi had a realtor go out to the home on XX/XX/XXXX and told me that the realtor set the home value at {$160000.00} " as is ''. We had a buyer for the home sign a contract to purchase at this price. The home was not able to go to closing on the sale until a later date so Citi had to have get another home value set in XX/XX/XXXX. Citi said that this time the as is value was set at {$280000.00}. We set up a closing date for XX/XX/XXXX, and that morning, 19 minutes before the XXXX closing, the Mortgage Negotiation Specialist sent the realtor an email saying the home could not be sold for less than {$280000.00} even though they had given prior provisional approval for the sale at {$160000.00} which only pending the closing occurring so the closing statement could be sent to them. I was sent copies of the Valuation Information Detail Reports for the XX/XX/XXXX valuation and the XX/XX/XXXX valuation, and noted that the reports gave conflicting square footage and values, and that the second one said my home was at XXXX, XXXX, when it is truly in XXXX, XXXX, and that is over sized the home by nearly XXXX square foot from the true square footage. When this was brought to the attention of Citi by me in email and telephone conversation they said I could request copies of the Broker Price Opinion Reports that their Valuation Information Reports were drawing information from. I did this, and found that Citi had not corrected reported the values set by either Broker, and that there was no mention of {$280000.00} in the second Brokers report nor any mention of my home being a " subject property '' in XXXX, over XXXX miles from where my home truly is. The buyer withdrew interest to buy my home when asked such an unreasonable and unsupported increase by Citi. I told Citi it was their fault this occurred and I am suffering damages financially due to Citi 's errors and false values set to require on the sale of this home. Citi agree to have third valuation done, and it was completed in XX/XX/XXXX. This third valuation report said the home is only worth {$140000.00} " as is ''. Citi refuses to tell me how the value was set for {$280000.00} they demanded the home sale for in their staff 's XX/XX/XXXX email to the realtor, and now my short sale options are limited as well as I have lost the opportunity to complete the sale as planned in XX/XX/XXXX while the Federal Tax forgiveness was still in place.

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 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian will not re-investigate my disputes even after sending them new information. They continue to report items on my credit reports that are inaccurate and must be removed. These items has already been removed from XXXX and XXXX after sending each credit reporting agency the exact same information. This shows me that Experian did not do a full investigation and continue to report this inaacurate information on my credit 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 10/17/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: Prior to XXXX XXXX, I was given a {$500.00} personal check from my landlord in rejection of my rent, which I had paid her. On the morning of XXXX XXXX, I deposited that check into my account at SunTrust ; the funds pertaining to that check were made available that evening. On XXXX XXXX, I made a withdrawal of {$1100.00}, resulting in remaining a balance of {$70.00}. The following day ( XXXX XXXX ), I received an envelope wherein was a slip of paper declaring that {$500.00} was withdrawn from my account on XXXX XXXX, resulting in a negative balance of {$510.00}.

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 01/15/2017 about Credit reporting () with NAVY FEDERAL CREDIT UNION (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: NAVY FEDERAL CREDIT UNION CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION AFTER HAVING BEEN DISPUTED MULTIPLE TIMES. COMPANIES FAILURE TO PROVIDE ADEQUATE PROOF OF DEBT WHEN REQUESTED WHEN REQUESTED MULTIPLE TIMES SINCE XX/XX/2015. CONTINUES TO TARNISH CREDIT WORTHINESS AS A RESULT. AS A RESULT OF TARNISHED CREDIT WORTHINESS I HAVE BEEN DAMAGED FINANCIALLY AND MY CREDIT REPUTATION AN EMBARRASSMENT BECAUSE OF NAVY FEDERAL CREDIT UNION CONTINUING TO HARRASS ME BY MEANS OF DAMAGING MY CREDIT AND PROVIDING FALSE INFORMATION TO ALL XXXX CREDIT BUREAUS, EVEN WHEN DISPUTED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with STATE FARM BANK, FSB (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent the following letter over a month ago and got no response. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/17 To : STATE FARM BANK ATTN : CEDIT REPORTING XXXX XXXX XXXX XXXX, IL XXXX In regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, Executor on behalf of the XXXX XXXX XXXX, is in possession of your recent voluntary submission of evidentiary documents. 

STATE FARM BANK, must herein provide a true and certified copy of the complete audit trail of said account. furthermore, in order for STATE FARM BANK to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate and the original document showing my hand written signature! 

Failure to substantiate the claim, please settle account immediately within the next thirty days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with DISCOVER BANK (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. 
I have told Discover not to contact me any more and that I am considering filing charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XX/XX/XXXX I sent XXXX XXXX and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX- XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A Public Record Information is reporting on my credit reports and I am contesting that it is inaccurate in its filing. My case was dismissed and my understanding is that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. I am entitled by law to have full information of the entity that was contracted to use my information. This derogatory is holding my identity and credit under " Consumer Lock '' for 10 years. I have approached the Bankruptcy Court where they claimed they verified, however, the BK Clerk of Courts has confirmed that they did not verify. I am requesting to have the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Statebridge Company (NV).
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: On XXXX XXXX 2016 my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to Statebridge my regular mortgage payment. They put the money on an account named unapplied funding. XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that Statebridge reported that the report is accurate. I dont believe it is because if they want to report the month of XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if Statebridge finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that Statebridge need to report the right thing to the bureau of credit

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (CA).
Issue: Struggling to pay mortgage

Complaint: In XXXX of 2017 I transitioned into a new job. Almost immediately at my new job I experienced inappropriate behavior by my superior which caused me to quit. In the coming months I experienced XXXX, XXXX  and gained XXXX pounds. I also was struggling to pay my mortgage due to loss of income and the XXXX. Finally at the end of XX/XX/2017 I was able to get a job. I have called the mortgage company, M & T Bank, to start the process of catching up on my mortgage payments. I offered to make payments to M & T Bank every other Friday until my mortgage is current. On the day that I called the representative stated that they had placed my mortgage in foreclosure that very day. Literally the day that I called. I told them that I find it no coincidence that the day I call is the day they place my house in foreclosure. I again offered to make payments every other week until I'm caught up. I said I would give them all my money for the next couple of months. She stated that I would need to send them over {$7000.00} that day to stop the foreclosure. My only other option is apply for a loan modification loan, which offers no guarantee I will be approved or that the foreclosure will be stopped. While they decide to approve me for the loan modification, the foreclosure will continue to proceed. M & T Bank has a consumer who is very willing to make payments to bring their mortgage current. I do not want to be homeless, I just want to pay my bills and take care of my family. They have made a very difficult last few months infinitely worse. Please help me save my family and our home.

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 10/27/2017 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: I have applied for a Wells Fargo credit card numerous times and have credit scores in the 700 's and continue to get denied. I have friends that have credit scores that are much lower and have negative items on their credit report are getting approved. I feel that Wells Fargo picks and chooses applicants unfairly due to their demographics. I feel that I have been discriminated against by Wells Fargo. I have 3 checking accounts with them over 5 years and maintain good balances.

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 07/26/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (VA).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX ; I purchased a XXXX Ford Edge from XXXX XXXX in XXXX XXXX XXXX. After about 1 month of jumping thru hoops, of needing more documentation. etc. The loan was picked up by Westlake Financial Customer Care XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX - ( XXXX ) XXXX. The loan payments were to be made starting in XXXX XXXX, at XX/XX/XXXX, I received an adverse action letter stating they were not extending credit due to a timeline in getting the documents back to them. I called and after 3-4 days, it was finally confirmed that the loan was ok, and that I need to make the payment. I arranged this payment over the phone at that time. Due to the agent transposing the routing number, the payment was returned. I immediately called, confirmed with them the routing # was incorrect, and made another payment., resolving the issue. Since that time, I had made payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then XX/XX/XXXX, the payment was due again, I go online to pay the loan, and see there is a payment in full stamp on the loan. It was after hours, and I was going to call the next morning. That night, the dealership sent out a tow truck to pick up my vehicle. The driver stated the loan did not go thru, and that it was a first payment default, stating MY down payment of {$5600.00} AND monthly payments for 6 months ( {$620.00} ) totaling {$3400.00}, additionally I had to repair a gas line ( {$50.00} ) Did my self so no receipt ; then {$100.00} for an oil sensor and {$470.00} for an alternator for another {$620.00}. This was NOT a first payment default, and if it were, how did it take you 6 months to determine this? IT WASN '' T, not only did they get my first payment, they took 5 more! I have attempted to contact the dealership, and for a week now, they just keep telling me they are trying to work on it, and are now refusing to return my calls. I am out {$9600.00}, plus the cost of having to rent a rental car for transportation while they " figure it out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Other banking product or service) with ARVEST BANK GROUP, INC. (OK).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This is regarding XXXX XXXX and Arvest Bank bank.This CONSUMER at the has been frauded in her bank account there was money deposit somehow in her account the bank teller told her guardian XXXX XXXX who's her son to that it was okay to take the money but they said before to make sure it cleared first and it cleared and he took the money out of the account they said the money that was deposit fraudulently from someone else or somewhere else that it needs to be returned but the money was already spent and you as a trustee we know that their books are not set right that they charged her account again her social security check was eating up now she had nothing to pay our bills leaving her abandoned financially I've contacted them fill out forms the bank decided to discard the product forms I contact the bank verbally my name is XXXX XXXX I'm the daughter in law we have guardianship over her they've done this twice they've gotten the money they won't fix the account Arvest is on XXXX and XXXX I've talked to the managerXXXX talk to the manager and I've talked to the billing or accounting department and they're not willing to do anything and here she is without electric gas water and insurance and car note car payment to pay for anything please

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: For the last 1 1/2 years no bank or credit union can pull my Equifax report, generally, when I call or attempt to dispute anything on my report it contains my wife 's name and or the creditors who try to pull it simply find a missing/blank report. 

Have been calling several times per week trying to resolve this, they claim nothing is wrong which I disagree as it 's impossible for every bank/creditor in the country to have the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The U.S. Department of Education issued XXXX XXXX a XXXX-Total, Permanent XXXX- which clearly means that I do not have to pay back my student loans. I was served XXXX XXXX, with a Civil Suit by XXXX XXXX XXXX XXXX XXXX XXXX. I have sent them copy of my XXXX several times in XXXX. I have filed a response with the XXXX of XXXX XXXX of XXXX County Pennsylvania. I asked the court to dismiss and cease this civil case. We did file bankruptcy in XXXX. The statute of limitation in PA is four years. There were no payment made on these loans since XXXX. President Obama signed an executive order last XXXX XXXX to expedite these XXXX proceedings to stop these collecting activities for XXXX students. My main concern is how does XXXX XXXX think they can interpret federal law to their collection procedures of student loans? XXXX XXXX, and XXXX have issued me notices that the loans are forgiven. My compliant is clearly this : XXXX XXXX needs to adhere to federal laws pertaining to credit and collections practices as set forth by the United States Congress in regards to student college loans.

Company response to consumer: Closed with explanation